Earn 1.5 reward points for every $1 you spend.

Plus, earn 10,000 bonus points when you spend $1,500 in the first 3 months2 – that’s a $100 cash redemption value.

Our Rewards Credit Card lets you earn points on everyday purchases then offers rewards such as travel, cash back, and merchandise. Plus, enjoy a low 4.99% APR* on all purchases for the first six months after opening your account.


Benefits of Our Rewards Credit Card

  • Points on Purchases: Earn 1.5 reward points per $1 spent on all purchases.
  • Bonus Points: Earn 10,000 bonus points when you spend $1,500 in the first 3 months2
  • Variety of Rewards: Redeem your points for travel, cash back, gift cards, merchandise, and more.
  • 4.99% Introductory APR* for Purchases: Enjoy a low, fixed rate for the first six months after account opening.
  • Competitive, Variable Rates: After six months, get a rate between 17.24% and 36.00% APR* based on your credit.
  • 0% APR Balance Transfer Offer: Pay no interest on your balance transfer for the first 12 months.

More Great Features of Our Rewards Credit Card

  • No Annual Fee: We don't charge service fees!
  • No Balance Transfer Fee1: Consolidate debt and transfer your high-interest balance free of charge.
  • Online and Mobile Banking: Access your account 24/7 and sync with your Mobile Wallet.

Heritage Community Credit Union has got you covered if you're looking to earn points on purchases without the hassle of spending categories and limits. Our travel rewards credit card can boost your purchasing power and reduce your vacation expenses at the same time.

We’ve made it easy to access your credit card account. Whether you want to redeem your points, check your balance, review transactions or make payments, you can access it all directly through your HCCU Online Banking Account or log in from here.


Simple Application Process for a Rewards Credit Card



Apply Online

Use our convenient, secure online portal to provide your details and select our Rewards Credit Card.



Get Pre-Approved

We'll review your application and, if approved, offer you a credit limit and rate.



Receive Your Card

You can start using your card right away to make purchases and earn points!

Get Started

Rewards Credit Card FAQs

How do I earn points on a Rewards Credit Card?

Heritage Community Credit Union makes it easy to earn points because we offer a Rewards Credit Card that earns 1.5x points on all purchases.

You don't need to worry about whether your usual spending habits can earn rewards because we offer equal points across all spending categories. Unlike some rewards cards and cash-back credit cards, we don't charge a high annual fee. Not paying an annual fee means more of your money stays in your account. 

Plus, there's no complicated qualifying criteria you need to meet in order to access our rewards program. Simply use your credit card and you'll start earning! As a sign-up bonus, you get a low, fixed APR for the first six months after you open your account.

How can I redeem the points earned on my Rewards Credit Card?

The minimum redemption value is $15, or 1,500 points. You can redeem your rewards earnings for a wide range of valuable items, including:

  • Cash back
  • Gift cards
  • Merchandise
  • Travel

If you prefer to redeem your points for hotels and rental cars, flights, and other travel expenses, this card option serves as a convenient Travel Rewards Credit Card.

To redeem your points, access them directly through your HCCU Online Banking Account or log in to the Rewards Website from here.

Is there a limit on the number of reward points I can earn?

There is no limit on the number of reward points you can earn. However, your points will expire and must be redeemed within 5 years.

*Annual Percentage Rate, see Pricing and Fee Details. View Disclosure. Rates and terms are subject to change without notice.

1 Other fees apply. Cash advance fee is 3.00% of the amount of each cash advance. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.

2To qualify for the 10,000 bonus rewards points, a total of at least $1,500 in net purchases (purchases minus returns/credits) must be posted to your account within 3 months from the date your account is opened. Cash advances and balance transfers do not apply for this offer and may affect the credit line available for this offer.

Rates and terms are subject to change without notice. All loans are subject to credit approval. 

More Financing Options From Heritage Community Credit Union

We offer a full suite of loans with affordable rates and flexible terms so you can get the financing you need to achieve your goals. Whether you want an auto loan, home loan, or personal loan, we offer local decision-making, processing, and servicing to meet the unique needs of our Sacramento members.

Personal Loans

Our personal loans offer an easy way to get a lump sum payment of up to $20,000 for a wide range of purposes, including debt consolidation, medical expenses, car repairs, or even a vacation. You may also choose a line of credit option if you want an ongoing source of funds.

Learn More

Home Equity Loans

If you've built up equity in your home, you may want to access the funds to pay for significant expenses such as home improvements, college tuition, and debt consolidation. You can choose between a lump sum home equity loan or a revolving home equity line of credit (HELOC).

Learn More