Visa Credit Cards

Accepted by thousands of merchants worldwide, a Heartland Visa credit card gives you instant purchasing power. Heartland Visa cards feature low fixed rates, estatements, no annual fee, travel/merchandise rewards and much, much more. Choose the card that meets your needs.

Helpful Links

Protect Your Card
Verified by Visa

Can't Find Your Card?
Call (800) 449-7728 to report it lost or stolen.

Going Out of
the Country?
To protect your Visa account from potential fraud, all international ATM transaction are restricted. Please contact us at (651) 451-5160 or (800) 813-9185 to make accommodations for the restriction.

• No Annual Fee
• 24/7 Online Access and eStatements
• Convenience Checks

• Zero Liability Coverage
• No Cash Advance Fees

• CU Rewards Points - earn one point for each dollar spent*. Points can be redeemed on travel rewards or merchandise. Browse the CU Rewards Website

• Auto rental collision damage coverage and travel insurance

• Low 10.90% APR⁺

• Credit Limit up to $25,000

  or Print Application

• Low 12.90% APR⁺

• Credit Limit up to $2,500

or Print Application

• Designed for students 16 and older. With a conservative credit limit this credit card helps students establish their credit rating while teaching them to manage their money. Student Visa cards must be
  co-signed by a parent/guardian.

• Low 12.90% APR⁺

• No Annual Fee

• Credit Limit up to $500

• 24/7 Online Access and eStatements

• Zero Liability Coverage

• No Cash Advance Fees

Print Application

*Points are not earned on cash advances, balance transfers, or convenience checks.

+APR is annual percentage rate. Rates are in effect as of February 1, 2008. 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.