Choose a Credit Card Right For You

Introducing our new family of competitive, feature-rich credit cards. Enjoy all of the benefits you expect from a national bank card along with the local decision making and service that brought you to Heritage Bank. Whether you want to earn rewards or lower your APR, we have a Mastercard® right for you. All cards come with the same great benefits. Secure online access, 24 hours a day, 7 days a week. Premium benefits. Multiple payment options. Apple Pay®, Samsung Pay® and Google Pay® contactless payment technology.+ Learn more

Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.

+ Apple Pay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a registered trademark of Google LLC.

Customer Portal

Your Card. Your Choice.

Heritage Bank Consumer Card Features

• Multiple payment options, including automatic debit, online bill pay, in a Heritage Bank branch or by mail.
• Secure online account access, 24 hours a day, 7 days a week.
• 24-hour customer service phone line. Multiple payment options.
• Apple Pay®, Samsung Pay® and Google Pay® contactless payment technology available.+

Heritage Bank Platinum

With local decision making and servicing, quick turn-around and a variety of options, you will find our consumer credit cards are definitely not "one-size-fits-all".

•  Low APR with no annual fee. Terms and Conditions
• 0% INTRO APR on purchases and balance transfers for the first 6 months. 1 Then a variable APR, currently Prime + 5.74% to Prime + 13.74% applies, based on creditworthiness. A Balance Transfer fee of 3% or $10, whichever is greater, will apply to each balance transfer. Terms and Conditions
  

APPLY NOW 

Heritage Bank Low Rate Platinum

• No balance transfer fee in the first 6 months, 1% Balance Transfer fee or $10 - whichever is greater - applies thereafter.²    Terms and Conditions
• Lowest variable APR for those trying to pay off higher interest debt. Currently Prime + 2.99%

APPLY NOW

Heritage Bank Platinum Rewards

• Valuable Rewards – unlimited 1% cash back for every dollar spent.³
• Redeem rewards the way you prefer, including direct deposit into a DDA or statement credit. 
• $50 cash back bonus after spending $1,000 in the first 90 days.⁴

Apply Now  

1 See Terms and Conditions for complete details. A Balance Transfer Fee of 3% or $10, whichever is greater, will apply to each balance transfer. Balance Transfers subject to available credit.
2 See Terms and Conditions for complete details. A Balance Transfer Fee of 1% or $10, whichever is greater, will apply to each balance transfer. Balance Transfers subject to available credit.
3 For details on Rewards Program, please visit (https://ourheritage.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.
4 Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit (https://ourheritage.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

+ Apple Pay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a registered trademark of Google LLC.

Compare Your Options

APPLY NOW

*Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit (https://HeritageBank.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

** See Terms and Conditions for complete details. A Balance Transfer Fee of 3% or $10, whichever is greater, will apply to each balance transfer. Balance Transfers subject to available credit.

Apply Now 

APPLY NOW  

 Subject to credit approval. Ask for details.

Mastercard® Benefits*

Mastercard ID Theft Protection

• Cardholder provided with a uniform Identity Theft Affidavit and assistance completing the Affidavit.
• Cardholder assisted in notifying credit reporting agencies and provided with Identity Theft Resolution Kit.
• Cardholder assisted with debit and credit card replacement.
• Cardholder receives education on how Identity Theft can occur as well as protective measures to avoid further occurrences. 
• Cardholder provided with sample letters for use in canceling checks, ATM cards, and other accounts.

Mastercard Global Emergency Services

Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.

Zero Liability Protection

Have peace of mind knowing that the financial institution that issued your MasterCard won't hold you responsible for “unauthorized transactions.” As a MasterCard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions.

To take advantage of any of these features or file a claim, simply call 800-622-7747.

Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration. *The descriptions of the listed benefits and enhancements are summaries only. Certain terms, conditions and exclusions apply. The information is provided on an “AS IS” basis and for informational purposes. It is not a specific recommendation for any particular action or investment and should not be relied upon in whole or in part as the basis for decision-making or other purposes. Please consult your Guide to Benefits for specific benefit configuration.

Contactless Payment. Safe, Secure and Simple. 

Why carry your physical card with you or look for your card when shopping online? Heritage Bank credit cards are supported by Apple Pay®, Samsung Pay® and Google Pay® - all which allow users to make payments using compatible smart phones and mobile devices.+

Learn More