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Visa Platinum

Build credit and enjoy easy purchasing power

Enjoy low variable rates with the Heartland Visa® Platinum card.

  • Overview

    Enjoy the Heartland Visa® Platinum card

    Not only does the Heartland Visa® Platinum card have a low variable rate, but it also has 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.

    Please note: If applicant is under 21 years old, a cosigner is required to obtain a Heartland Visa® Platinum card.
    To request a copy of your credit card agreement please call us at (651) 451-5160 or (800) 813-9185

    2.90% balance transfer intro APR

    Enjoy this rate for 12 months on balances transferred within the first 60 days of Heartland Visa® Platinum 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.

    Travel insurance

    Get up to $200,000 in Travel Accident and Baggage Delay Insurance.

    Zero liability coverage

    You’ll 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.

  • Compare

    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.

  • Rates
    Rates Effective as of: 12-03-2020
    TypeAPR*Terms
    Signature Loan***As low as 11.49%Up to 5 Years
    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 11/1/2020 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-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
    • 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.

While on vacation there was a glitch with my Heartland VISA card. I can’t stress enough how the quick actions of Heartland Credit Union allowed my family and I to have a fantastic, uninterrupted vacation!  An issue that has taken me days to correct at other banks was fixed within minutes!

Akhtar

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.

Open online in minutes.

Visa 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%.