It pays to have Visa® Rewards

Need a credit card? We’ve got the perfect card for you. Our HeritageWest Visa credit card has no annual fees, no cash advance fees, and no balance transfer fees. And, with a fixed-rate as low as 8.99% APR and a cash advance APR to match, you pay the same rate for purchases AND cash. That means that you won’t be hit with interest rates of 23.99% APR or more just because you need a little cash to tide you over until payday.

We offer:

  • Low, fixed rates
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • No cash advance APR


With features like that, you won’t need another card in your wallet.

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We don’t offer teaser rates. Our card is just that good.


Introductory rates are a distraction from what your current card doesn’t have to offer. That’s why we don’t offer bait and switch rates. We just give you straightforward, honest-to-goodness rates and features that blow away the competition. Compare the rates and rewards of our credit card with our competitors. The HeritageWest Visa comes out on top.

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Your life is rewarding. Your credit card should be, too.


At HeritageWest, we still think you should be rewarded for your everyday purchases. That’s why you earn one point for every dollar spent with our ScoreCard® Rewards program, which comes standard with every HeritageWest Visa Rewards Card. Use your points for statement credits, gift cards, travel, merchandise, and much more!

Aboutscorecard

*APR = Annual Percentage Rate. Rates subject to credit qualifications. Not all applicants will receive the lowest rate. Some restrictions may apply. For complete details and full disclosures, please see a member specialist. Click here for all required disclosures.

Enjoy the benefits of membership today!

No matter where life takes you, we’re here to help. Because once you're a member, you're always a member.