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American Heritage FCU Secured MasterCard®
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| Purchase APR (Variable APR) |
Starting at 15.9% (Verified 12/08/2023) |
| Balance Transfer APR (Variable APR) |
Starting at 15.9% (Verified 12/08/2023) |
| Credit Score Range | N/A |
| Annual Fee | $35 |
American Heritage FCU Secured MasterCard® Review
This is a secured credit card card issued by American Heritage Federal Credit Union. If you're wondering whether American Heritage FCU Secured MasterCard® is the right card for you, read on.
Key Takeaways
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.2% every time you make a transaction outside the U.S.
- Accepts cosigners. American Heritage Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
Pros & Cons of American Heritage FCU Secured MasterCard®
| The Good | The Bad |
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American Heritage FCU Secured MasterCard® FAQ
Does American Heritage FCU Secured MasterCard® have a cash back or rewards program?
No, it does not offer a rewards program.
What are the American Heritage FCU Secured MasterCard® benefits?
It provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for American Heritage FCU Secured MasterCard®?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.American Heritage FCU Secured MasterCard® has a variable purchase APR starting at 15.9% . The card has a variable balance transfer APR starting at 15.9% . It also has a variable cash advance APR starting at 15.9% .
Does American Heritage FCU Secured MasterCard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does American Heritage FCU Secured MasterCard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for American Heritage FCU Secured MasterCard®?
The following fees apply:
| Description | |
|---|---|
| Foreign Currency Transaction Fee | 0.2% |
| Annual Fee | $35 |
| No Interest Grace Period for Late Payment | 27 days |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $20 |
This card charges a $35 annual fee.
Does American Heritage FCU Secured MasterCard® have a foreign transaction fee?
American Heritage FCU Secured MasterCard® charges a foreign transaction fee of 0.2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $4. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for American Heritage FCU Secured MasterCard®?
The American Heritage FCU Secured MasterCard® customer service number is (215) 969-0777.
What is the support contact email for American Heritage FCU Secured MasterCard®?
The support contact email for American Heritage FCU Secured MasterCard® is GeneralInfo@amhfcu.org.
What is the American Heritage FCU Secured MasterCard® login page?
You can access the American Heritage FCU Secured MasterCard® login page here.
How do people rate the customer service and user experience of American Heritage FCU Secured MasterCard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does American Heritage FCU Secured MasterCard® report your account activity to credit bureaus?
Yes, American Heritage FCU Secured MasterCard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for American Heritage FCU Secured MasterCard®
- Visit the American Heritage FCU Secured MasterCard® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
2060 Red Lion Rd, Philadelphia, PA 19115, United States
Philadelphia, PA 19115 USA - (215) 969-0777
- Visit Site
- Email Support
Other Services by American Heritage Federal Credit Union
Other Credit Cards by American Heritage Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Foreign Currency Transaction Fee | 0.2% |
| Annual Fee | $35 |
| No Interest Grace Period for Late Payment | 27 days |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $20 |
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