The American Heritage Credit Union is a personal credit card from American Heritage Credit Union. The annual fee is $0. The ongoing APR is 9.99% after the 9-month introductory period (disclosure effective Oct 1, 2026) after a 0.00% introductory APR on purchases, balance transfers and cash advances for 9 months from credit card open date (existing American Heritage loan/card balances not eligible for balance transfers and cash advances) introductory rate for 9 months. Signup bonus: 15,000 ScoreCard Rewards points after $1,500 in net purchases within 90 days; limit one per account. Rewards: One ScoreCard Reward Point per $1 spent. This product reports activity to your personal credit report.