Members Heritage credit cardholders are automatically enrolled in our ScoreCard program and earn bonus points when they use their MHCU Mastercard or Visa. One dollar in net retail purchases equals one point. You have the option to redeem these points for Cash Back Credit, Gift Cards, Merchandise or Travel benefits. You can even redeem your ScoreCard bonus points online. Apply for your MHCU credit card today and start earning your own bonus points today.