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Student Visa

A credit card to go with the keys

Help your teens get a head start on building good credit with a student visa.

  • 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.

  • Rates
    Rates Effective as of: 12-01-2021
    TypeAPR*Terms
    Signature Loan***As low as 9.24%Up to 5 Years
    Holiday Loan+* - $500-$2,500As 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 rateUp to 5 Years
    CD Secured (minimum rate 3.00%)2.00% over CD rateUp to 5 Years
    Ready Cash Plus15.00%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.

  • FAQs
    • To request a copy of your credit card agreement please call us at (651) 451-5160 or (800) 813-9185

    • 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 transaction 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.

    • 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.

    • To request a limit increase, please call us at (651) 451-5160 or (800) 813-9185 or visit a branch location.

    • Your new Heartland Credit Card should be received within 10-14 business days.

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!

Anonymous 

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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%.