American Heritage Platinum Preferred Mastercard®
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The American Heritage Platinum Preferred Mastercard® is a 0% introductory APR card designed for those who want to pay off higher interest debt or make a major purchase. Although the balance transfer period isn’t long (9 months), this a great balance transfer card because it has no balance transfer fees. When the 0% intro APR expires, the regular APR is a reasonable 9.99%.
The rewards are only okay and the welcome bonus is nothing to write home about. But it’s hard to beat this card for a no-fee balance transfer. We dive into the details and your approval odds in this American Heritage Preferred review.
Our Rating
3.9/5.0
Welcome Offer
15,000 ScoreCard Rewards Points
Annual Fee
$0
0% Intro on Purchases
9 months
Reward Rate
1x points
0% Intro on Balance Transfers
9 months
Welcome Offer
Earn 15,000 ScoreCard Rewards Points when you spend $1,500 in the first 90 days.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Emergency Travel Assistance, Roadside Assistance, 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 | 9.99% (V) APR |
| Balance Transfers | 0% Intro APR for 9 months on balance transfers, then 9.99%(V) APR after that. |
| Balance Transfer Fee | $0 |
| Purchases | 0% Intro APR for 9 months on purchases, then 9.99% (V) APR after that. |
Pros & Cons
- Welcome offer
- No annual fee
- No balance transfer fees
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Wells Fargo Reflect® Card
Rating
4.5
Rewards Range
N/A
Annual Fee
$0
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Edward Jones World Mastercard®
Rating
3.9
Rewards Range
1x - 4x points
Annual Fee
$0