The process is simple
Simply complete the transfer request on the next tab, and we’ll transfer your high-rate credit card balances to your new or current Heartland credit card.
All new cardholders will enjoy a low introductory balance transfer rate of 2.9% APR* for 12 billing cycles on balances transferred within the first 60 days of the new card being opened.
Don’t have a Heartland Credit Card? Apply today, then complete the balance transfer form.
Balance Transfer Form
Transfer Your Balance
Transfer your balance
Save money and pay off your credit card debt sooner.
Transfer Your Balance Disclosures
*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.