One of the best things about having a credit card is earning rewards. With Heritage Grove’s Visa Credit Card Cash-Back Program, you receive up to 1.50% cash-back on every purchase. There is no need to select certain categories. No cash-back limits. Just make sure to contact us at 503-588-0211 to opt in to the Cash-Back Program.

Maximize your cash-back percentage. If you have our Visa credit card and a savings account, you’ll earn 1.00% cash back on all purchases. If you have our Visa credit card and have a loan with us (auto, personal, home equity, mortgage, etc.) you’ll receive 1.25% cash back on all purchase. If you have our Visa credit card and an active checking/debit account with us, you’ll receive 1.50% cash back on all purchases.

Maximize your monthly cash-back earnings. If you want to maximize your cash back, pay your monthly bills like utilities, insurance policies, groceries, and subscriptions with your Heritage Grove credit card. Anywhere you can, pay with your credit card instead of your debit card. If you have the money in your debit account, transfer the money over to your credit card so that you don’t run up a credit card balance.

Don’t waste major purchases. If you are planning on large, future purchases, this may require forethought and savings, but it’s one of the best ways to really maximize your cash back. Charge major purchases like travel, furniture, appliances, home improvements or even college tuition. This will instantly increase your cash back.

The Heritage Grove Cash-Back Program rewards you for your daily purchases with unlimited cash back. The key is monitoring your Visa Credit Card balance and transferring from your checking or savings to avoid a large credit card balance at the end of the month. Keep in mind that we do not charge a credit card annual fee and we never charge a balance transfer fee when you move another credit card balance to Heritage Grove. No balance transfer fees will save you three to five percent of the credit card balance and save you on monthly interest charges. Don’t have a Heritage Grove Visa Credit Card? Apply online. Questions? Call us at 503-588-0211.