Heritage Bank
Credit Cards

VISA® Classic
from Heritage Bank

VISA® Classic

VISA® Classic
from Heritage Bank

Competitive rates with no annual fee.



Important Disclosures
Apply By Mail

Establish or rebuild credit with
our simple to use card.

Convenience

Convenience

Manage your card online or with the mobile app. Control your card, make payments, set alerts, view your balance, and more!

Low Rates

Low Rates

Enjoy low rates competitive
in today's market!

No Annual Fee

No Annual Fee

Keep your money in your wallet.

Pen & Paper

Interest Rates & Fees Summary

Standard APR
11.67% This APR will vary with the market based on the Prime Rate.
Annual Fee
None
Foreign Transaction Fee
3% of transaction
Cash Advance Fee
3% of transaction or $10, whichever is greater
Standard APRAnnual FeeForeign Transaction FeeCash Advance Fee
11.67% This APR will vary with the market based on the Prime Rate.None3% of transaction3% of transaction or $10, whichever is greater

Please see Important Disclosures for interest rate, fee, and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Additional Product Features

  • Apple Pay, Samsung Pay, Google Pay, Visa® Click to Pay
  • Tap to Pay contactless card
  • Mobile app and online account management

Important Disclosures

IMPORTANT DISCLOSURES

Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases 9.17% for Platinum, 11.67% for Classic
When you open your account, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.*
APR for Balance Transfers Same as Purchase Rate
APR for Cash Advances 21%
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on cash advances on the transaction date. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:
http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee None
Transaction Fees
• Balance Transfer None
• Cash Advance Either $10 or 3% of the amount of each advance, whichever is greater.
• International Transaction 3% of the U.S. dollar amount of the transaction
Penalty Fees
• Late Payment Up to $29
• Returned Payment Up to $29

*In the event you do not qualify for a Platinum card, we will automatically consider you for our Classic card. Your Rate on purchases is determined by adding 8.42% for Classic or 5.92% for Platinum to the “Prime Rate” published in the Wall Street Journal under the “Money Rates” subsection on the last business day of each month.

Effective October 3, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Call 1-888-675-6332 for recorded information.

How Will We Calculate Your Balance: We use a method called "average daily balance (including new transactions)."

How We Calculate Variable Rates: If your account is subject to a Finance Charge, your ANNUAL PERCENTAGE RATE may vary. Your Rate on purchases is determined by adding 8.42% for Classic or 5.92% for Platinum to the “Prime Rate” published in the Wall Street Journal under the “Money Rates” subsection on the last business day of each month.

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Credit Review and Reporting: You authorize us to obtain consumer reports on you from consumer reporting agencies for any lawful purpose, including any update, extension of credit, review, or collection of your account. We can do this from time to time while your account is open and after it is closed (if you owe us any money). If you request, you will be informed whether any consumer report was requested and if a report was requested, the name and address of the consumer reporting agency furnishing the report.

As of the date in the lower right corner of this application, the information listed was accurate. Because rates and terms are subject to change, you may contact us for the current information by writing to us at P.O. Box 20810, Wichita, KS 67208-6810 or email us at CCServices@bbok.com.

The Cardholder Agreement should be reviewed for all conditions and terms.

Bankers’ Bank of Kansas is card issuer.