Credit union · NCUA insured
American Heritage Credit Union Credit Card Rates
Top CarrotAmerican Heritage Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How American Heritage Credit Union’s credit card rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where American Heritage Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
American Heritage Credit Union
9.99%APR
- Up to
- —
Platinum Preferred Mastercard
Lowest rate
APG Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Forge Credit Union
7.99%APR
- Up to
- 17.99% APR
American Heritage Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American Heritage Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Reward Mastercard
Approval depends on creditworthiness and other factors. Variable APR varies with the market based on the Prime Rate. Primary Share Account with a minimum balance of $15 to be eligible.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–17.99% | None | Balances, purchases, cash advances, and balance transfers are subject to 13.49-17.99% variable APR (table rate as low as 13.74% APR). Variable APR will vary with the market based on the Prime Rate. $0 annual fee. |
Sources (2)
All captured Oct 16, 2026
Platinum Classic Mastercard
Approval depends on creditworthiness and other factors. Primary Share Account with a minimum balance of $15 to be eligible.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Balances, purchases, cash advances, and balance transfers are subject to 12.90% APR. $0 annual fee and $0 balance transfer fee. |
Sources (2)
All captured Oct 16, 2026
Platinum Preferred Mastercard
Approval depends on creditworthiness and other qualifications. Cannot pay off current American Heritage CU loans/cards. Primary Share Account with a minimum balance of $15 to be eligible.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 0.00% | None | Introductory 0% APR for purchases for 9 months from credit card open date. $0 annual fee. |
| Ongoing | 9.99% | None | Standard 9.99% APR applies to balances, purchases, cash advances, and balance transfers thereafter. $0 annual fee. |
Sources (3)
- americanheritagecu.org/loans/credit-cards
- americanheritagecu.org/loans/c…t-cards/balance-transfer
- americanheritagecu.org/rates
All captured Oct 16, 2026
Platinum Secured Mastercard
Deposit funds required in the amount of chosen credit limit from $300 to $25,000. Options to graduate to an unsecured card after building positive credit rating. Primary Share Account with a minimum balance of $15 to be eligible.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | $35 | Balances, purchases, cash advances, and balance transfers are subject to 15.90% APR. Deposit funds required for credit limit from $300 to $25,000. $35 annual fee charged upon card issuance and each year on account anniversary date. |
Sources (2)
All captured Oct 16, 2026
Who can join American Heritage Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.