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Overview
It’s never too early to start building good credit history, which is why we created the Student Visa® (iSave) Platinum card for our younger members age 16+ (with a parent/guardian co-signer). With this student visa we want to help teens learn the importance of money management while enjoying a conservative credit limit, low variable rate, and no annual, cash advance or balance transfer fees. Members also have access to benefits such as Heartland Online Banking and Visa eStatements.
2.90% balance transfer intro APR
Valid for 12 months on balances transferred within the first 60 days of card being opened.**
Low variable rates
Take advantage of rates as low as 8.90% APR+.
Credit limit up to $500
Make this card work for you.
25 day grace period
For when life happens.
Zero liability coverage
You won’t be held responsible for fraudulent charges made with your card.
Travel perks
Enjoy $200,000 Travel Accident and Baggage Delay Insurance.
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Rates
Rates Effective as of: 04-26-2024
Type APR* Terms Signature Loan*** As low as 12.29% Up to 5 Years Visa Platinum, Student & Business+++++ As low as 10.90% APR* Revolving Line Visa Platinum Rewards+++++ As low as 11.90% APR* Revolving Line Visa Signature+++++ As low as 13.90% 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 4/1/2024 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.
+++++ +++++ 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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You will receive a phone call and/or a text from our card partner.
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To request a copy of your credit card agreement please call us at (651) 451-5160 or (800) 813-9185
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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 transaction 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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Yes, you may request to change card programs at any time. Please call us at (651) 451-5160 or (800) 813-9185 or visit a branch location.
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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
Earn 2X Referral Bonus:
Refer your friends and family to join Heartland and earn $20 for each qualifying account they open!
Learn moreStudent Visa
A credit card to go with the keys
Help your teens get a head start on building good credit with a student visa.
Although my son has had an account with another bank for three years, the decision to switch to Heartland was simple. Thanks to the Shared Services options, my son is now a Heartland Credit Union member and can do his finances more easily with multiple choices i.e debit card, internet banking, bill pay, ATM and Shared Service Centers. Thank you Heartland Credit Union!
Built for life on the go
Manage your money anytime, anywhere with Heartland Free Mobile Banking.
Credit Card Resources
Open online in minutes.
Student Visa 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%.
