American Heritage Cash Reward Mastercard®
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The American Heritage Cash Reward Mastercard® is a cash back card designed for people who spend in various essential categories and don’t need a 0% introductory APR offer. You will also need to be a member of the credit union, but you can easily join by making a donation to the Kids-N-Hope Foundation. The card offers 3% cash back on many popular categories such as gas and groceries and 2% cash back on purchases like dining and travel. We dive into the details and your approval odds in this American Heritage Cash review.
Our Rating
4.0/5.0
Welcome Offer
$150
Annual Fee
$0
0% on Purchases
None
Reward Rate
1% to 3% cash back
0% on Balance Transfers
None
Welcome Offer
Earn a $150 Bonus Reward when you spend $1,500 in the first 90 days.
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 0.80% of each transaction in U.S. dollars completed outside the U.S. |
| Regular APR | 14.74% to 17.99% (V) APR |
What Credit Score Is Required to Get the American Heritage Cash Reward Mastercard®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 724
Average Approved Credit Score: 724
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 06/11/2021 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 3% cash back
- Foreign transaction fee
What Are the Best Alternatives?
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0