Credit Cards
The Card that is Perfect for What Members Put on It. High Expectations.
Use the Heritage Valley Visa® Platinum credit card for everyday expenses, larger investments, or credit building, and always get the edge on rates and fees.
- Earn Rewards for Every Dollar you Spend!
- Low Fixed Rate
- No Balance Transfer Fees
- No Annual Fee
- Discounts with Visa
- Offers & Perks
- Fraud Alerts
*APR= Annual Percentage Rate.
Secured Credit Cards
- Collateral Requirement: Secured credit cards require the cardholder to provide a cash deposit as collateral. This deposit serves as security for the issuer in case the cardholder defaults on payments.
- Credit Limit: The credit limit on a secured card is typically equal to or slightly higher than the amount of the security deposit. For example, if you deposit $500, your credit limit will also be $500.
- Approval: Secured cards are often easier to obtain, making them a popular choice for people with limited or poor credit history or those looking to rebuild their credit.
- Credit Building: Responsible use of a secured card, including making on-time payments and keeping balances low, can help improve your credit score over time.
Unsecured Credit Cards
- Collateral Requirement: Unsecured credit cards do not require collateral. Approval is based on your creditworthiness, which includes factors like your credit score, income, and credit history.
- Credit Limit: The credit limit on an unsecured card is determined by the card issuer and is typically based on your creditworthiness. People with better credit histories are often approved for higher credit limits.
- Approval: Unsecured cards are more difficult to obtain if you have poor or limited credit history. They are typically available to individuals with better credit profiles.
- Credit Building: Responsible use of unsecured credit cards can also help build and improve your credit score when you make on-time payments and manage your balances wisely.
Mobile Payments with Visa
Your Heritage Valley Visa debit and credit cards can be added to your digital wallet through Apple Pay® and Google Pay®
How to pay with your mobile phone
- Add your Visa card to your payment-enabled mobile phone or device
- Look for the Contactless Symbol on the terminal at checkout
- Hold your phone or device over the symbol to pay
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.

Security + Fraud Prevention
Use your card confidently knowing that Visa has you protected. Learn how Visa keeps you covered, and get tips on how you can help prevent fraud.
Visa Offers + Perks
Visa helps you save more by working with well-known brands like Hertz, Reebok, Citizen Watch, and more. Use the link to go to the website to learn more about what they have, and redeem offers.
All due dates for Visa Credit Cards are the 22nd of each month.
Payments can be sent to:
PO Box 37603
Philadelphia PA 19101-0603