Heritage Credits

If you have a credit card that has Heritage Rewards or hold products from at least three different Heritage product categories, then you automatically qualify to earn Heritage Credits.

Account typeHow Credits are awarded
Heritage Visa Platinum credit card account Every whole $1,000 spent per calendar month receives 3 Credits for that month
Heritage Visa Classic (excluding My First Credit Card) credit card account Every whole $1,000 spent per calendar month receives 1 Credits for that month
Heritage Visa Gold (With Rewards) credit card account (no longer offered) Every whole $1,000 spent per calendar month receives 2 Credits for that month
Years as a Heritage member
(Credits will be allocated on anniversary date)
  • Heritage membership maintained for 2 to 4 years inclusive will receive 1 Credit each year
  • Heritage membership maintained for 5 to 7 years will receive 2 Credits each year
  • Heritage membership maintained for 8 years and beyond will receive 3 Credits each year

View Heritage Credits Terms and Conditions.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.