Bank · FDIC insured
Heritage Bank Credit Card Rates
Heritage Bank credit cards start at 11.50% 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 Seattle, WA, where Heritage Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Heritage Bank
11.50%APR
- Up to
- 19.50% APR
VISA PLATINUM
Lowest rate
America's Credit Union
8.79%APR
- Up to
- 18.00% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
Heritage Bank credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
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.
VISA PLATINUM
Minimum credit limit is $2,500. Personal credit card with no rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50%–19.50% | None | Based upon your creditworthiness when you open your account. After that, your APR will vary with the market based upon the Prime Rate. |
| Ongoing | 14.50%–22.50% | None | Based upon your creditworthiness when you open your account. After that, your APR will vary with the market based upon the Prime Rate. |
Sources (2)
- heritagebanknw.com/home/fiFile…application-personal.pdf
- heritagebanknw.com/home/personal-banking/credit-cards
All captured Oct 22, 2026
VISA PLATINUM PREFERRED®
Minimum credit limit is $2,500. Personal credit card with rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50%–21.50% | None | Based upon your creditworthiness when you open your account. After that, your APR will vary with the market based upon the Prime Rate. |
| Ongoing | 16.50%–24.50% | None | Based upon your creditworthiness when you open your account. After that, your APR will vary with the market based upon the Prime Rate. |
Sources (2)
- heritagebanknw.com/home/fiFile…application-personal.pdf
- heritagebanknw.com/home/personal-banking/credit-cards
All captured Oct 22, 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.