Personal Credit Cards

Heritage Bank offers personal credit card services through our partner, TIB. We offer a variety of credit card plans with a wide range of features and benefits. Cards are available in two options, Low Rate Card or Preferred Points Card and all cards feature:

• Low introductory rate for the first six months
• Competitive ongoing annual percentage rate (APR)
• No annual fee
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Cash advances can be made for up to 50% of the credit line.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Unlike some card offers, the APR for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
• If your payment gets to us a day or two late, don't worry because we offer a little extra grace period, helping you avoid a late fee.
• Rental car collision damage waiver protection.

Choose the credit card that is right for you:

• Visa® Classic
• Visa® Platinum
• Gold MasterCard®
• See application for information about current APRs and fees on each card

The Preferred Points cards feature these additional benefits:

• Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more. A brochure with more details is available at our local branch office.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

Apply Now

• Download the PDF of the application
• Type the information and then print the application (you cannot save the document, so print an extra copy for yourself) or print it and then complete it using a blue or black pen
• Fax your completed application to the Card Service Center at 972-650-7054, or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120