Heritage
Credit Card
Travel smarter with GTE’s highest rewards card - celebrating 90 years of service in Tampa Bay.
Earn unlimited 4x points on what matters most | Up to 10,000 bonus points | + No annual fee in 2025*
Anniversary offer
No annual fee in 2025*
Intro bonus
10,000 bonus points after spending
$3,000 in the first 3 months
4x
points on
Travel & dining
2x
points on
EV charging, gas, groceries & home improvement stores
1x
points on
All other purchases
Travel with confidence
No international fees
Your Heritage Card covers all international transaction fees.
Trip cancellation & interruption coverage
Provided through Mastercard® Travel & Lifestyle Services.
Accepted everywhere
Backed by Mastercard®, accepted in 210+ countries.
Everyday spending, elevated.
Rates as low as 17.49% APR* and up to 17.99%APR
Credit limits up to $30,000
Zero liability for fraudulent charges
Local service. Global reach.
Enjoy award-winning GTE service with extended hours and access to our top-rated mobile app, featuring:
Instant card replacement
Pay with Points
Wallet integration in seconds
4x
Points on travel & dining
(2x on essentials)
10,000
Bonus points
$0
2025 Annual fee
($55 after)
Waived
Foreign transaction fees
$30,000
Max credit limit
17.49%
As low as APR
Ready to earn 4x the rewards?
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 on credit card product pages on gtefinancial.org for full details: terms and conditions subject to change. All loans are subject to approval. *Heritage Credit Card Welcome offers will only be honored for new Heritage credit cards opened in 2025. The $55 Heritage Credit Card Annual Fee will be waived in 2025 and will resume in 2026 and beyond.