The card to complement your business
The Heartland Visa® Business Platinum card provides convenience with instant purchasing power. You’ll enjoy a low introductory balance transfer rate, no annual fees, no balance transfer fees and no cash advance fees.
Plus, pay off your balance within 25 days of your statement closing date and you won’t pay interest.
2.90% balance transfer intro APR
Enjoy this for 12 months on balances transferred within the first 60 days of card being opened*.
Low variable rates
Take advantage of variable rates as low as 8.90% APR+.
$200 minimum credit limit
Start with a credit limit as low as $200 to help you manage your spending.
Get up to $200,000 Travel Accident and Baggage Delay Insurance.
Zero liability coverage
Never be held responsible for fraudulent charges.
No extra fees
Heartland Visa® credit cards have no annual fees, no cash advance fees and no balance transfer fees.
Rates Effective as of: 01-24-2022
Type APR* Terms Signature Loan*** As low as 9.24% Up to 5 Years Holiday Loan+* - $500-$2,500 As low as 4.99% APR* 12 months Visa Platinum, Student & Business+++++ As low as 8.90% Variable APR* Revolving Line Visa Platinum Rewards+++++ As low as 9.90% Variable APR* Revolving Line Visa Signature+++++ As low as 11.90% Variable APR* Revolving Line Share Secured (minimum rate 3.00%) 2.00% over share rate Up to 5 Years CD Secured (minimum rate 3.00%) 2.00% over CD rate Up to 5 Years Ready Cash Plus 15.00% Revolving Line
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on collateral, home equity closed end, and signature loans. Add .25% without auto pay. These rates are in effect as of 9/1/2021 and are subject to change.
***Rates may vary based upon credit history. Please contact the Heartland loan department for details regarding how your rate and term is determined.
+* APR is Annual Percentage Rate. Offer valid 11/2/21-12/31/21 and subject to change without notice. Actual rate may vary based on credit history. Loans currently financed with Heartland do not qualify. Qualifying term is 12 months. $500-$2,500 max loan amount. Payment on a 12 month loan at 4.99% APR is $42.89 per $500 borrowed. Rates quoted include a .25% discount for Automatic Payments from a Heartland Checking account. Qualifications apply. Must meet membership qualifications.
+++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-8.90%-12.90% APR. Visa Platinum Rewards-9.90%-13.90% APR. Visa Signature -11.90%-15.90% APR. These APRs are variable and based on your credit worthiness and uses the Wall Street Journal Prime rate as its index. Rates are subject to change semi-annually.
Yes. Simply call (888) 886-0083 from one of the phone numbers listed in our system, then follow the prompts and verification process to change your credit card PIN. This convenient service is available 24 hours a day, 7 days a week and gives you the freedom to change your PIN anytime you want – in an instant.
Yes. With the Heartland Card Manager App you can control which types of transactions are approved or denied, such as online purchases, international purchases and more.
Yes. With the Heartland Card Manager App you can set a spend limit per transaction or by month. If the limits are exceeded the transacation will be denied.
Yes. With the Heartland Card Manager App you can receive texts for every transaction or choose specific types of transactions based on location, dollar amount, merchant types and transactions types.
Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it’s lost or stolen, plus much more.
To report a lost or stolen credit card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
Your new Heartland Credit Card should be received within 10-14 business days.
Visa Business Platinum
Swipe your way to success
Enjoy instant purchasing power for your business with a Visa Business Platinum card.
I had a horrible mess with a hotel I hosted a conference at that placed charges incorrectly on multiple accounts of mine. I seriously was lost as to how to begin to figure it out they not only figured out all the numbers and found money of mine I would have lost forever, but also called the hotel and provided documentation and had my back. They went above and beyond!
Keep your card secure
With the Heartland Card Manager App, you can help fight credit and debit card fraud with a few simple clicks.
Transfer your balance and save money
Move your high-rate credit card balances to a Heartland Visa and start saving.
Credit Card Resources
Open online in minutes.
Visa Business Platinum Disclosures
+APR is annual percentage rate. APR for purchases, balance transfers and cash advances: Visa Platinum-8.90%-12.90% APR. These APRs are variable and based on your credit worthiness and uses the Wall Street Journal Prime rate as its index. Rates are subject to change semi-annually. Rates are in effect as of February 1, 2015. The 25-day grace period applies to new purchases paid in full before the due date; cash advances accrue interest from the date the advance is made.
Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount.
*Balances must be transferred within 60 days of the new card being opened to qualify for the introductory rate. Current cardholders do not qualify. After 12 billing cycles your APR will be variable 8.90%-12.90%.