Spend like a superhero.
You can have spending superpowers today (donning your cape in a telephone booth is optional). The Heritage Grove VISA® Credit Card gives you the power to make purchases without having to carry around cash or a checkbook. It can even protect you from fraud when making online purchases. Best of all, you can use it anywhere in the world VISA® is accepted.
In addition, our card can help you stand tall with benefits like:
- No Annual Fee
- Great Low Rates Depending on Credit Qualifications
- 25-Day Grace Period on Purchases (excluding Cash Advances)
- No Fee for Balance Transfers
- Access to our Free Member Rewards and Cash-Back Programs
- Text Alerts (Enroll your Heritage Grove VISA® credit card at the smsGuardian website and receive text alerts when your card is used. Note: Only Heritage Grove VISA® Credit Cards can be enrolled on this site.)
Credit card APRs range from 11.65% to 18.00% APR. Rate is variable. Rates are current as of March 29, 2020 and subject to change. Cash advance fee is 3% of the amount of each cash advance ($10 minimum). Balance transfer fee to transfer a balance to Heritage Grove is 0% as of March 29, 2020.
If you haven't established a credit score, or your credit score is a little bruised, we have the perfect solution – our VISA® Secured Card.
With our VISA® Secured Card, you deposit money equal to your credit limit in your Heritage Grove Ownership Share account. That money is then placed on hold while your card account is open. Use the card as if it were a regular, unsecured credit card. By charging, then making on-time payments every month, you establish a positive credit history and show the ability to repay in a timely manner.
* APR = Annual percentage rate.
** Balance transfers from other Heritage Grove credit cards and loans are not eligible for this promotion. Balance transfer interest rate starting as low as 2.99% introductory APR for up to 12 billing cycles*, then the APR will be 11.40% to 18.00% (variable) based on your credit score tier. Offer subject to credit approval. Balance transfers are treated as cash advances, interest charges begin on the transaction date. Offer subject to change without notice. Promotion expires March 31, 2020.
or VISA® Debit Card?
During Business Hours
After Business Hours
VISA® Credit Card (U.S.): 1-888-297-3416
VISA® Credit Card (International): 1-206-389-5200
VISA® Debit Card: 1-800-472-3272
Activate and establish/change Debit Card PIN Toll-free:
Member can now activate and choose/change their Credit Card PIN by calling Toll-free:
(US) 800-290-7893, (International) 206-624-7998.