HT Rewards Credit Card

Convenient. Flexible. Rewarding.

Accepted worldwide at millions of locations, the HT Rewards card is designed to offer you convenience, flexibility and a rewards program that lets you choose the reward that’s right for you.

Special Introductory Rates Available for new cardholders!

  • Rates as low as 7.99% APR* on purchases
  • 2.99% APR* on Balance Transfers
    Save money each month when you consolidate your balances from another institution’s high-interest credit card!

Other Benefits:

  • No annual fees
  • Use anywhere MasterCard is accepted, worldwide
  • Account alerts for your payment due date, charges and credit limit updates
  • Manage your account from anywhere at any time with Online and Mobile Banking

Because Your Points Count!

Earn points with the freedom to redeem them for an exciting array of name-brand merchandise and travel awards. Get an electric guitar, big screen TV, or redeem points for a weekend get-a-way including airline, hotel or cruise packages at no charge. Now offering Points-to-Cash option!

View Your Points Balance and Redeem at Extra Awards

Please note our Third Party Link Disclosure.

*APR= Annual Percentage Rate. Special introductory offer of 7.99% for new HT Rewards Credit Cards and 2.99% on balance transfers from other institution cards good for 6 billing cycles from the open date. After the introductory period ends, your standard APR as low as 9.90% will be applied to any unpaid promotional balances. Heritage Trust membership required. Programs, rates, terms and conditions are subject to change without notice. For more information about the rates, fees, other costs and benefits associated with the use of this credit card, refer to the disclosures that accompany your credit card.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.


Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.