Bank · FDIC insured
Heritage Bank Credit Card Rates
Heritage Bank credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Heritage Bank’s credit card rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Heritage Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Heritage Bank
12.74%APR
- Up to
- 20.74% APR
Heritage Bank Platinum
Lowest rate
Whitewater Community Credit Union
7.90%APR
- Up to
- 9.90% APR
2nd-lowest rate
Christian Family Credit Union
8.90%APR
- Up to
- —
Heritage Bank credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Heritage Bank Platinum
All cards are subject to credit approval. Balance transfers are subject to available credit. A balance transfer fee of $10 or 3% of the amount of the transfer (whichever is greater) applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% INTRO APR on purchases for the first 6 months. Low APR with no annual fee. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- ourheritage.bank/personal-credit-cards · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.