Apply For a VISA Credit Card Now!

Don't leave your Heritage South VISA at home!
A VISA card allows you to pay for purchases away from home at over 24 million locations with safety and convenience. Our Heritage South VISA is accepted at businesses worldwide wherever you see the trademark VISA logo.

  • NO Annual Fees
  • Instant Issued Cards right inside the branch! No more waiting!
  • JHA Card Activation Number 800-290-7893 and also we can activate in branch
  • JHA PIN Management 800-290-7893
  • Lost or Stolen card 888-297-3416
  • To report Unauthorized activity 888-297-3416
  • After hours decline line: 1-800-547-1215
  • Low Fixed Rates
  • Online Account Management through HSCU NetTeller and MyHSCU mobile App
  • SMS Guardian - Texts Alerts to prevent fraud
  • MyCardRules for Platinum VISA
  • Risk Based Authentication using Verified by Visa Verified by Visa
  • NO hidden rate hikes for late payments
  • Effective February 1, 2021, your HSCU Visa will no longer provide Auto Rental Collision Damage Waiver or Warranty Manager.  All other card benefits will remain in place. To download descriptions of your card benefits, please visit or call 256-245-4776 to request a copy by mail.

VISA Credit Card Options

VISA Platinum

The Platinum VISA from Heritage South features a low fixed rate with Extra Awards, a rewards program just for Platinum card holders that allows you to earn points on specific purchases and receive Cash Awards, Gift Certificates, Rebates, Travel, and more! 
Credit Limit: $5,000 and up

VISA Classic Plus

Our newest VISA card, this option is a no brainer for those needing a larger balance than the Classic card. Receive a lower fixed rate with no annual fees when you open a VISA Classic Plus card at Heritage South.

Credit Limit: $500 to $20,000

VISA Classic

Your classic VISA with all of the basic features including a fixed rate and no annual fees. This card is great for people that do not want a large open line of credit but still need the convenience and safety of a VISA for their purchases, or an emergency.
Credit Limit: up to $10,000

Credit-Builder VISA

No credit history? That's ok! The Credit-Builder VISA is a great way to build your credit if you have little or no credit history.
Credit Limit: up to $5,000

Make Payments to:
Heritage South Credit Union
P.O. Box 128
Sylacauga, AL 35150
If you need to activate your new VISA:
Call 1-800-290-7893
or visit one of our branches 

If your VISA is lost or stolen, please call 1-888-297-3416.


What is MyCardRules? MyCardRules is an easy-to-use mobile app that lets you put all kinds of different controls on your debit, credit or ATM cards. So, you can manage all of your card transactions right from your mobile device. You get complete control of how, when, where — and WHO uses your cards. Plus, being in control of spending and usage gives you another layer of security — and a little extra peace of mind

Learn More