Transfer Your Balance Disclosures
*APR is annual percentage rate. Rates are in effect as of July 1, 2021. Balances must be transferred within 60 days of the new card being opened to qualify for the introductory rate. Introductory rates applies to new cards only. Balance transfer requests will be paid up to your available credit limit. Rate of 2.9% APR is carried on transferred balances only, existing balances on Heartland credit cards are not eligible. After 12 billing cycles the rate on the transferred balance(s) will revert to the current variable rate, based on your credit history: Platinum variable rates are 8.9%-12.9% APR; Platinum Rewards variable rates are 9.9%-13.9% APR; Signature variable rates are 11.9%-15.9% APR. Cash advances and purchases do not qualify. All other terms and conditions will apply in accordance with our current Visa® credit card agreement. Transaction Fees: Foreign Transaction – 1% of U.S. dollar transaction amount. Rates vary based on credit history after promotional rate. Rates are variable and subject to change semi-annually.