The Heritage Financial Credit Union is a personal credit card from Heritage Financial Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 18.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a 0% intro APR on purchases for the first 12 billing cycles; 0% intro APR on balance transfers for the first 12 billing cycles for balances transferred within 366 days of account opening introductory rate. Rewards: 3% cash back (1.5% base + 1.5% bonus) on eligible net purchases for the first 12 billing cycles from account opening, up to $20,000; then 1.5% cash back on eligible net purchases; 5% cash back (1.5% base + 3.5% bonus) on prepaid car rental and hotel reservations booked through the Travel Center; cash rewards do not expire while the account remains active (expire after 12 billing cycles with no rewards, purchase or balance activity). Loan terms: Revolving personal credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; optional Card ExtendPay fixed-payment plans. This product reports activity to your personal credit report.