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Overview
The card to complement your business
The Heartland Visa® Business Platinum card provides convenience with instant purchasing power. You’ll enjoy 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.
To request a copy of your credit card agreement please call us at (651) 451-5160 or (800) 813-9185
Low rates
Take advantage of rates as low as 10.90% APR+.
$200 minimum credit limit
Start with a credit limit as low as $200 to help you manage your spending.
Zero liability coverage
Never be held responsible for fraudulent charges.
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Rates
Rates Effective as of: 01-14-2025
Type APR* Terms Signature Loan*** As low as 12.29% Up to 5 Years Visa Platinum, Student & Business+++++ 10.90%-14.90% APR* Revolving Line Visa Platinum Rewards+++++ 11.90%-15.90% APR* Revolving Line Visa Signature+++++ 13.90%-17.90% 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 auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 1/1/2025 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. Example of a 5-year-fixed rate monthly payment at 12.29% APR would be 60 monthly payments of $22.49 per $1,000 borrowed.
+++++ +++++ Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Annual Percentage Rate (APR) for purchases, balance transfers and cash advances: Visa Platinum-10.90%-14.90% APR. Visa Platinum Rewards-11.90%-15.90% APR. Visa Signature -13.90%-17.90% APR. These APRs are based on your credit worthiness.
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FAQs
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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.
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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.
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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.
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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.
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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.
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To report a lost or stolen credit card please call (800) 449-7728. Representatives are available 24 hours a day to help you.
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To request a limit increase, please call us at (651) 451-5160 or (800) 813-9185 or visit a branch location.
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Your new Heartland Credit Card should be received within 10-14 business days.
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Online Banking
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Get the AppVisa 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.
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-10.90%-14.90% APR. These APRs are based on your credit worthiness. Rates are in effect as of April 1, 2024. 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.
