Visa Credit Cards

As a Heartland member you have access to three distinct Visa credit cards – giving you the freedom to find one that fits your needs. Plus, all Heartland Visa Cards are chip-enabled, feature a low introductory balance transfer rate, no annual fees, no balance transfer fees and no cash advance fees. Compare the cards below to find one that will work for you.

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Transfer Your Balances to Heartland (must be a Heartland Member)

Platinum Platinum Overview Card Platinum Rewards Overview Platinum Rewards Signature EMV Signature Overview
For you if: You want a basic low rate card You want a card that earns points for merchandise and travel, as well as a low competitive rate You want a card that earns points for merchandise, travel, cash and gift cards, plus a variety of other perks and benefits as part of the Visa Signature program and features a competitive rate.
Earns Points No 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
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
Intro Balance Transfer Rate 2.90% APR+ for 12 billing cycles after that the variable APR will be 8.90%-12.90% 2.90% APR+ for 12 billing cycles after that the variable APR will be 9.90%-13.90% 2.90% APR+ for 12 billing cycles after that the variable APR will be 11.90%-15.90%
Rate As low as 8.90% Variable APR* As low as 9.90% Variable APR* As low as 11.90% Variable APR*
Annual Fee $0 $0 $0
Balance Transfer and Cash Advance Fee $0 $0 $0
Minimum Credit Limit $200 $200 $5,000
Additional Perks $200,000 Travel Accident and Baggage Delay Insurance

Emergency Card Replacement and Cash Disbursement

Auto Rental Collision Damage Waiver
$500 Price Protection. Buy an eligible item with your card, find it advertised for less within 60 days of purchase, get reimbursed the difference

$500,000 Travel Accident and Baggage Delay Insurance

$3,000 Trip Cancellation/Trip Interruption Insurance

Emergency Card Replacement and Cash Disbursement

Auto Rental Collision Damage Waiver
Same as Platinum Rewards plus

Visa Signature Concierge. From trip planning to finding a restaurant

Warranty Manager. Double the time period of the manufacturers’ warranty, up to one additional year, for eligible items purchased with your Signature card

Travel and Emergency Assistance. Get help coordinating medical, legal, and travel services when you need them

Roadside Dispatch. 24/7 emergency roadside assistance.

*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.