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Credit Cards

A credit card for everyone

At Heartland Credit Union you have access to three different Visa® credit cards—because we want you to choose the one that best fits you. Heartland Visa® Cards are chip-enabled and feature a low introductory balance transfer rate, no annual fees, no balance transfer fees and no cash advance fees.

Platinum

Take advantage of a low variable rate, while building your credit.

$200 minimum credit limit

 

Platinum Rewards

Earn points to use on Travel and Merchandise rewards.

$200 minimum credit limit

Signature

Earn points to use on Travel, Merchandise, Cash Back, Gift Cards and Account Credit rewards

$5000 minimum credit limit

We've had such great customer service from the New Prague Branch! They are always willing to help us out in all situations.

Faith R

Compare All Credit Cards

PlatinumPlatinum RewardsSignature EMV
For you if:You want a basic low rate cardYou want a card that earns points for merchandise and travel, as well as a low competitive rateYou want a card that earns points for merchandise, travel, cash and gift cards, plus a variety of other perks and benefits as part of the Visa Signature program and features a competitive rate.
Earns PointsNo5 points for every dollar spent at gas stations  

3 points for every dollar spent at supermarkets and restaurants  

1 point for every dollar spent on other purchases
5 points for every dollar spent at gas stations  

3 points for every dollar spent at supermarkets and restaurants  

1 point for every dollar spent on other purchases
Intro Balance Transfer Rate 2.90% APR+ for 12 billing cycles after that the variable APR will be 8.90%-12.90% 2.90% APR+ for 12 billing cycles after that the variable APR will be 9.90%-13.90% 2.90% APR+ for 12 billing cycles after that the variable APR will be 11.90%-15.90%
RateAs low as 8.90% Variable APR*As low as 9.90% Variable APR*As low as 11.90% Variable APR*
Annual Fee$0$0$0
Balance Transfer and Cash Advance Fee$0$0$0
Minimum Credit Limit $200 $200 $5,000
Additional Perks$200,000 Travel Accident and Baggage Delay Insurance

Emergency Card Replacement and Cash Disbursement
$500 Price Protection. Buy an eligible item with your card, find it advertised for less within 60 days of purchase, get reimbursed the difference

$500,000 Travel Accident and Baggage Delay Insurance

$3,000 Trip Cancellation/Trip Interruption Insurance

Emergency Card Replacement and Cash Disbursement
Same as Platinum Rewards plus

Visa Signature Concierge. From trip planning to finding a restaurant

Travel and Emergency Assistance. Get help coordinating medical, legal, and travel services when you need them

Roadside Dispatch. 24/7 emergency roadside assistance.

*APR is annual percentage rate. 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. Visa rate is variable and subject to change semi-annually. Visa rate is subject to credit history.
Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount.
Points are not earned on cash advances, balance transfers, or convenience checks.

+APR is annual percentage rate. Balances must be transferred within 60 days of the new card being opened to qualify for the introductory rate. Current cardholders do not qualify.