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Credit Cards

A Credit Card for Everyone

Earn unlimited points+ for travel, merchandise, gift cards and cash back with our Visa Signature card.

Apply for a Visa Signature Card

Signature

Start Application

Rates
As low as 13.90% APR*

Annual Fee
$0

Minimum Credit Limit
$5000

Loaded with rewards

If you want it all, the Heartland Visa® Signature card is for you. Earn unlimited points+ for cash back, travel, merchandise, gift cards and account credit. One card, all the rewards – plus even more!

    • 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
    • Cash Back
    • Merchandise (Shop the CURewards site or the Heartland Amazon Store)
    • Travel
    • Gift Cards
    • Account Credit

  • We pulled out all the stops for our Heartland Visa® Signature card. Here are the key benefits you’ll receive when you sign up for this card.

    • $500 Price Protection—if you buy an eligible item with your card and find it advertised for less within 60 days of purchase, you can be reimbursed for the difference. View benefit and claim details.
    • Concierge Services
    • Travel and Emergency Assistance – Put your mind at ease when you are traveling and get help coordinating medical, legal, and travel services when you need them. The cost of any goods or services is your responsibility.^
    • Roadside Dispatch – Offers you a 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, and locksmith services giving you peace of mind when you’re out on the road. Call (800) VISA-TOW for further details.

Plus, you’ll enjoy a low introductory balance transfer rate, no annual fees, no balance transfer fees and no cash advance fees. 

Browse the CURewards Website to see what’s available to redeem with the Heartland Visa® Signature card.

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

Platinum Rewards

Start Application

Rates
As low as 11.90% APR*

Annual Fee
$0

Minimum Credit Limit
$200

Low rate and rewards

Shop to your heart’s desire with the Heartland Visa® Platinum Rewards card and earn points+ for merchandise and travel, while enjoying a low rate.

    • 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
    • Merchandise (Shop the CURewards site or the Heartland Amazon Store)
    • Travel

  • This Visa® Platinum Rewards card comes with everything you need and more. Below are key benefits you won’t want to miss out on.

    • 2.90% balance transfer intro APR for 12 months on balances transferred within the first 60 days of card being opened**
    • Variable rates as low as 9.90% APR+
    • Minimum credit limit $200
    • 25 day grace period to pay the full amount of the New Balance of Purchases on your card to avoid paying interest
    • $500,000 Travel Accident and Baggage Delay Insurance

Plus, you’ll enjoy a low introductory balance transfer rate, no annual fees, no balance transfer fees and no cash advance fees. 

Browse the CURewards Website to see what’s available to redeem with the Heartland Visa® Platinum Rewards card.

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

Platinum

Start Application

Rates
As low as 10.90% APR*

Annual Fee
$0

Minimum Credit Limit
$200

Build your credit

Not only does the Heartland Visa® Platinum card have our lowest variable rate, 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

Transfer your balance and save money

Move your high-rate credit card balances to a Heartland Visa and start saving.

Transfer Today!

I first contacted Heartland looking to get started with a credit card in order to start building my credit score. I am so thankful that Kayla has been the one to help me throughout this process, now three years later she has helped me through an upgrade and has been so patient, helpful, and kind. Not to mention very quick and thorough! She is definitely a wonderful person to work with and a great representative of Heartland's company and values.

Anonymous
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Earn unlimited points towards travel, merchandise, gift cards and cash back with our Visa Signature card.

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Credit Cards Disclosures

*APR is 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. Rates are in effect as of April 1, 2024. 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.

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.
+ Points are not earned on cash advances, balance transfers, or convenience checks.
^ Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.

**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 based on your credit worthiness – Visa Platinum-10.90%-14.90% APR; Visa Platinum Rewards-11.90%-15.90% APR; Visa Signature -13.90%-17.90% APR.