GTE's Heritage Credit Card is an homage to our roots and Tampa Bay’s rich history. Created during GTE Financial’s 90th Anniversary in 2025, this elite card provides top-rated service with boosted rewards, up to 4x Points—our best benefits card yet! If you are serious about racking up rewards for travel, dining, gas, grocery and home improvement, members can earn big on every purchase, while also enjoying a low annual fee of just $55—substantially less than other major credit card carriers.
Heritage Card
Honoring our Tampa Bay roots, featuring our best rewards, perfect for travel lovers
Enjoy 4x the Points
Special offers in 2025
- Anniversary Special: The $55 Annual Fee will be waived in 2025!*
- Introductory Offer: Start strong with 10,000 bonus points after spending $3,000 within the first three months.
Rewards
Earn 4x points on travel and dining, 2x points on EV charging, gas, groceries and home improvement stores with 1x points on everything else!
Travel benefits
Enjoy access to Mastercard Travel & Lifestyle Services including Trip Cancellation and Trip Interruption coverage when you pay with your eligible GTE Credit Card. Full details here.
Plus, members enjoy all their international transaction fees waived when traveling outside the U.S. - GTE will cover those costs.
Great rates
Even with 4x the points, the Heritage Credit Card boasts an Annual Percentage Rate as low as 17.49%, competitively less than big bank credit cards with a maximum APR of 35.00%.
Increase your purchasing power
Credit limits up to $30,000 to give members the purchasing power you need, backed by Mastercard so you never have to worry about responsibility for fraudulent charges to your account.
Award-winning service & mobile app
Along with our best-in-class rewards, low annual fee and rate, members will also experience top-rated service from a local team of financial advocates with extended service hours 7 days a week. GTE also offers an award-winning Mobile App that ensures you always have a way to pay with instant replacement cards, add to wallet in seconds and GTE’s unique Pay with Points feature.
Features & Benefits
- Earn 10,000 points by spending $3,000 in the first 3 months in 2025
- No annual fee in 2025 – A low $55 annual fee will be charged starting in 2026*
- 4x points for travel and dining
- 2x points for EV charging, gas, groceries and home improvement stores
- 1x points for all other purchases
- All international fees are waived on transactions made outside the U.S.
APR = Annual Percentage Rate. APR based on your credit worthiness. Annual percentage rates, terms and conditions subject to change. Please review our Credit Card (Regulation Z) Disclosure for terms and conditions. See Go Points Terms and Conditions for complete reward information. Refer to the Mastercard Guide to Benefits for full details: terms and conditions subject to change. All loans are subject to approval. The $55 annual fee will be waived for Heritage credit cards opened in 2025. Annual fee will resume in 2026 and beyond.