Credit Cards
We've got the credit card that's right for you!
There are a lot of credit cards to choose from, so how do you find the one that’s right for you? At Heartland Bank, we don’t believe in holding you back. With no limits as to how you earn your rewards, our simple, yet powerful system lets you spend, earn, and redeem however – and wherever – you want. Reach your earning potential by taking advantage of the many benefits of our personal Visa credit cards, including:
- Low Interest Rates
- Earning Rewards
- Tracking Expenses
- Travel Perks
Check out the chart below to see which card is right for you, then fill out our online application, call our Customer Care Center at 888-897-2276, or stop by a location near you to get started today!
Please Note: To apply and be considered for a Heartland Bank personal credit card, your primary residence must be located in Illinois, Iowa, or Wisconsin.
| Visa Platinum | Visa Platinum Rewards | Visa Signature Rewards^ | |
|---|---|---|---|
| Rates | |||
| No Annual Fee | ✓ | ✓ | ✓ |
| No Balance Transfer Fee | ✓ | ✓ | ✓ |
| 1.99% Introductory APR* for 6 Months. After that, your APR* will be 12.74%-22.74%. | ✓ | ✓ | ✓ |
| Rewards | |||
| Earn 1 Reward Point for Every $1 Spent | ✓ | ✓ | |
| Cash Back Rewards | ✓ | ✓ | |
| Travel Redemption Rewards | ✓ | ✓ | |
| Gift Card Redemption Rewards | ✓ | ✓ | |
| Merchandise Redemption Rewards | ✓ | ✓ | |
| Redeem Points as Charitable Donations | ✓ | ✓ | |
| Benefits** | |||
| Emergency Card Replacement | ✓ | ✓ | ✓ |
| Emergency Cash Disbursement | ✓ | ✓ | ✓ |
| Travel Accident Insurance | $1,000,000 | $1,000,000 | $1,000,000 |
| Baggage Delay Reimbursement | ✓ | ✓ | ✓ |
| Travel and Emergency Assistance Services | ✓ | ✓ | ✓ |
| Cell Phone Protection | ✓ | ✓ | ✓ |
| Purchase Security & Extended Protection | ✓ | ✓ | |
| Purchase Security ($500) | ✓ | ||
| Return protection | ✓ | ✓ | ✓ |
| Roadside Dispatch | ✓ | ✓ | ✓ |
| Zero Liability Fraud Protection | ✓ | ✓ | ✓ |
| Lost/Damaged Luggage Insurance | ✓ | ||
| Travel Reservation Service | ✓ | ||
| Travel Service Dividends | ✓ | ||
| Trip Cancellation/Trip Interruption | ✓ | ||
| Hotel/Motel Burglary Insurance/Reimbursement | ✓ | ||
| Car Rental Discounts | ✓ | ||
| Identity Theft Assistance & Reimbursement Insurance | ✓ | ||
| Product Protection | ✓ | ||
| Price Protection | ✓ | ||
| Year-End Summary Statement | ✓ | ||
| Visa Signature Perks | ✓ | ||
| Visa Signature Concierge | ✓ |
Maximize Your Rewards Point-Earning Potential
There are endless perks to using a personalized Visa credit card through Heartland Bank. With two credit card options to choose from, there are tons of opportunities to maximize your rewards point potential. Explore all the unique ways to earn and redeem rewards points!
Complete Control: You shouldn’t be limited as to where you spend your money, so why be limited as to where you earn rewards? With your personalized credit card through Heartland Bank, you earn a point for every dollar you spend – no matter where you spend it. How you choose to take advantage of those reward points is entirely up to you. Whether you want to redeem your points for cash back, traveling, gift cards, or merchandise, there are tons of options to getting the most out of your reward points.
Feel Safe: Stay protected against identity thieves with a chip-enabled credit card. This tiny technology amps up the security on your card by creating a unique code for each purchase you make. Think of it as an extra bodyguard for you and your personal information.
Give Back: Heartland Bank believes in the power of community, which is why we offer a unique opportunity to give back to those in need. You can use your earned points to donate to a wide variety of charities. With a wide variety to choose from, you can feel confident knowing your money is going towards a wonderful cause you believe in.
Traveling Perks: Get the most out of your personal credit card even when you’re not at home. The first step to doing that is using your earned points to book a flight! You can do it through most major carriers with no black-out dates. And once you’ve reached your destination, use your points for your hotel stay and rental car. If you’re itching to get off dry land, take your vacation out to sea by booking a cruise! Your personal credit card also has you covered should you run into any road blocks, like lost luggage or damaging a rental car.
Credit Cards are issued by Heartland Bank and Trust Company. Subject to credit approval. Restrictions and limitations apply.