Ready to unlock the full potential of your credit card experience? Embark on a journey of financial rewards, low APRs, and making a difference in the lives of others. American Heritage Credit Union presents a set of remarkable credit cards, each with its unique set of benefits and advantages. From earning generous cash back to building a positive credit history and supporting a charitable cause.
To gain access to American Heritage credit cards, you need to be a member of the American Heritage Credit Union first. You are eligible to become a member if you:
- Live, work, attend school, or worship in Philadelphia.
- Are an employee of one of AHCU’s sponsor companies on its website
- Are a member of the Kids-N-Hope Foundation
- Are a family member or household member of an existing member
After you are sure you qualify to be a member, complete and submit the membership application form online, on its website. Make sure you provide the necessary documents and open a primary share savings account with the least deposit of $15 as your share of ownership in the credit union.
Discover the possibilities that await you and find your perfect match in this captivating credit card guide. Get ready to take charge of your financial future!
- Cash Reward Mastercard
- Platinum Preferred Mastercard
- Platinum Secured Mastercard®
- Platinum Classic Mastercard®
What to Watch Out For
Pro Tips
Recap
1. Cash Reward Mastercard
Earn big with the Cash Reward Mastercard® from American Heritage Credit Union! Get cash back on regular day-to-day purchases, travel and dining, and all other expenses. Enjoy a sweet bonus reward when you spend a certain amount on specific days. Pay no annual or balance transfer fees. Every purchase donates a penny to The Kids-N-Hope Foundation.
Pros
- Gives generous cash-back rewards
- Provides a substantial bonus reward
- Has no fees to worry about
- Supports a charitable cause with every purchase
- Offers flexible redemption options
- Provides convenient online and mobile banking features.
Cons
- Has a variable APR based on creditworthiness
- Offers limited cash back on non-essential purchases
- Requires membership eligibility
- Poses the potential temptation for overspending
- Carries the possibility of missing out on rewards
- Offers limited acceptance outside the credit union.
- Cash Back Rewards: Up to 3% cash back on purchases (3% on necessities, 2% on travel and fine dining, 1% on all other expenses).
- Bonus Offer: Receive a $150 bonus when you make purchases worth $1,500 in the first three months.
- Fee Benefits: No annual fees or balance transfer fees.
- Charitable Contribution: Every purchase supports a penny donation to The Kids-N-Hope Foundation.
- Flexible Redemption: Redeem cash back to settle existing balances, deposit into accounts, or donate to charity.
2. Platinum Preferred Mastercard
Discover the ultimate perks and savings with the Platinum Preferred Mastercard® from American Heritage Credit Union! Enjoy 0% APR on purchases and balance transfers for a limited time, plus bonus points and the chance to support The Kids-N-Hope Foundation with every purchase.
Pros
- Charges no introductory APR on purchases and balance transfers for introductory months.
- Earns ScoreCard Rewards Points
- Offers no balance transfer fees or annual fees.
- Supports a charitable cause with a penny donation for every purchase.
- Allows you to redeem ScoreCard Rewards Points for airfare, merchandise, gift cards, and more.
Cons
- Requires a variable APR based on creditworthiness.
- Has limited reward redemption options beyond specified categories.
- Introductory Offer: Enjoy a 0% APR on purchases and balance transfers for the initial 9 months, and a 9.99% APR thereafter.
- Bonus Rewards: Earn a bonus of 15,000 ScoreCard Rewards Points when you make expenses worth $1,500 in the first three months.
- Fees: Benefit from zero balance transfer fees and zero annual fees.
- Charitable Contribution: Contribute to a good cause with a penny donation to The Kids-N-Hope Foundation for every purchase you make with the card.
- Rewards Redemption: Redeem your ScoreCard Rewards Points for airfare, brand-name merchandise, gift cards, and more.
- APR: It offers an APR of 9.99%, depending on your creditworthiness.
3. Platinum Secured Mastercard®
With its flexible credit limit, you can control your spending. You can also build a positive credit history with this credit card. Enjoy low APR, saving you money on interest charges. Plus, every purchase you make contributes to a meaningful cause through the A-Penny-A-Purchase Program.
Pros
- Offers a flexible credit limit
- Helps build credit
- Provides a low-interest rate
- Supports a charitable cause
Cons
- Requests an annual fee of $35
- Requires a security deposit
- Lacks rewards
- Does not have an introductory offer
- Flexible Credit Limit: Choose a credit limit from $300 to $25,000 based on your deposit as collateral.
- APR: Enjoy a competitive interest rate of 15.90% for savings on balances.
- Yearly Charge: Pay an annual fee of $35
- Credit Building Opportunity: Build your credit history with responsible use and timely payments.
- A-Penny-A-Purchase Program: Support music therapy for children with every purchase, donating a penny on every expense you pay using this card.
4. Platinum Classic Mastercard®
Choose the Platinum Classic Mastercard® from American Heritage Credit Union for its low APR, no annual or balance transfer fees, ScoreCard® Rewards, and charitable “A Penny A Purchase Program” that supports The Kids-N-Hope Foundation. Experience financial benefits and give back to the community.
Pros
- Offers a low APR
- Charges no annual fee
- Offers zero balance transfer fee
- Provides ScoreCard® Rewards
Cons
- Lacks an introductory offer
- Offers a relatively low credit limit
- Annual Percentage Rate (APR): It offers a minimal APR of 12.90%. With a competitive interest rate, you can save on interest charges when carrying a balance or making cash advances with this card.
- Credit Limit: Even if you have a low credit score or limited credit history, you may qualify for this card with a credit limit starting at $300.
- Annual Fee: This card requires zero annual fee. Enjoy the convenience of using this card without having to pay any yearly charges.
- Balance Transfer Fee: Pay zero balance transfer fees. Easily consolidate your credit card debt without incurring any transfer fees.
- ScoreCard® Rewards: Enjoy ScoreCard Rewards. Earn one ScoreCard Reward Point for each $1 you spend with this card. This provides you with the opportunity to redeem points for airfare, brand-name merchandise, gift cards, and more.
- A-Penny-A-Purchase Program: Make a positive impact while you spend. For each purchase you make, American Heritage Credit Union donates a penny to The Kids-N-Hope Foundation to support its music therapy programs for children in local hospitals.
Pros & Cons of Best Fifth Third Credit Cards
- Pros
- Offer generous rewards: Many Fifth Third credit cards provide competitive cash-back rewards or rewards in specific spending categories, allowing you to earn valuable benefits on your purchases.
- Give the advantage of no annual fees: Several Fifth Third credit cards come with no annual fees, helping you save money and enjoy the benefits of a credit card without additional costs.
- Provide enticing introductory offers: Some Fifth Third credit cards present enticing introductory offers, such as 0% APR on balance transfers or welcome bonus offers, giving you a head start in earning rewards or saving on interest charges.
- Deliver additional perks: Fifth Third credit cards often come with additional benefits like fraud protection, extended warranty protection, and travel assistance, providing you with additional value and peace of mind.
- Cons
- Limit rewards in certain areas: Some Fifth Third credit cards have caps on cash-back rewards or specific spending categories, limiting the amount you can earn in those areas.
- Lack rewards in certain cards: While Fifth Third credit cards offer attractive features, not all cards provide cash back rewards or rewards in specific spending categories, which may be a drawback if rewards are a priority for you.
- Entail potential fees: Depending on the specific card, you may encounter fees such as balance transfer fees, late payment fees, or foreign transaction fees. It’s important to be aware of these fees and consider them in your decision-making.
What to Watch Out For
- Rewards and Benefits: Choose a card that offers generous rewards and benefits for your spending habits, whether it’s cash back, travel perks, or charity contributions.
- Introductory Offers: Look for cards with attractive introductory offers like 0% APR on purchases and balance transfers to save on interest charges.
- Fees and Rates: Compare annual fees, balance transfer fees, and APRs to ensure you get the best deal and minimize costs.
- Credit Building: If you’re looking to build or improve your credit, opt for cards that report your payment activity to credit bureaus.
- Redemption Options: Consider the flexibility of reward redemption, which allows you to use points for various options that suit your needs.
- Credit Limit: Assess its credit limit offer, ensuring it aligns with your financial requirements and spending capacity.
- Acceptance: Check the card’s acceptance rate and make sure it has a wide acceptance rate both locally and internationally.
- Membership Requirements: For credit unions, verify membership eligibility criteria and evaluate whether you meet the requirements.
- Customer Service: Prioritize cards from issuers with excellent customer service and assist when you need it.
- Security: Look for cards with robust security features to protect your financial information and transactions.
- Online Banking: Opt for cards with user-friendly online and mobile banking options for convenient account management.
By considering these factors, you can confidently choose the best credit card that suits your financial goals and lifestyle.
Pro Tips
- Evaluate Your Spending Habits: Consider your regular expenses and determine which card fits with your spending patterns. If you spend significantly on essentials, the Cash Reward Mastercard is the right choice, whereas the Platinum Preferred Mastercard might suit frequent travelers.
- Assess Rewards and Benefits: Look closely at the rewards each card offers. If you prefer cash back and want to support a charitable cause, the Cash Reward Mastercard with its Penny A Purchase Program is a winner.
- Consider Introductory Offers: If you plan to make significant purchases or transfer balances, the Platinum Preferred Mastercard’s 0% APR for 9 months on purchases and balance transfers has a great advantage.
- Review Fees and APR: Analyze the fees associated with each card, such as annual fees and balance transfer fees. For low-interest rates, the Platinum Classic Mastercard’s 12.90% APR is more appealing.
- Examine Credit Building Options: If you’re looking to build or rebuild your credit history, the Platinum Secured Mastercard is a strong contender as it reports payment activity to credit bureaus.
- Check Credit Limit Flexibility: For greater control over your spending, consider the Platinum Secured Mastercard, which lets you choose your credit limit based on your deposit.
- Explore Redemption Flexibility: If you value flexible redemption options, the Cash Reward Mastercard’s various ways to redeem cashback are enticing.
- Consider Membership Eligibility: Keep in mind that each card, including the Platinum Preferred Mastercard, requires membership with American Heritage Credit Union, so ensure you meet the eligibility criteria.
- Be Mindful of Overspending: While cash-back rewards are enticing, avoid overspending to maximize your earnings. Only make purchases within your budget to prevent unnecessary debt.
- Research Acceptance: Check the Mastercard acceptance network to ensure the card you choose has a high acceptance rate, especially if you travel or shop internationally.
Recap
Choose the Cash Reward Mastercard for big earnings! Get up to 3% cash back on essentials, 2% on travel and dining, and 1% on all other expenses. Enjoy no annual or balance transfer fees, plus donate to The Kids-N-Hope Foundation with every purchase. Apply now and earn rewards while supporting a great cause! For more choices, consider the Platinum Preferred Mastercard with 0% APR and bonus points or the Platinum Secured Mastercard for credit-building benefits, or Platinum Classic Mastercard with low APR rates. Don’t miss out on these fantastic offers from American Heritage Credit Union. Apply today and seize your financial opportunities!
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