Choose from the Visa Business Card or the Visa Business Rewards Card, and you’ll have one more tool to help you separate and track expenses, build a corporate credit history, and even provide access to employees to handle purchasing, if that makes things easier for you. We’ve even got a card for government, municipality, or non-profit users.

Take a look at the chart below to choose which type of card best suits your needs, then fill out an application for your small business. Government, municipality, or non-profit card users have a different application. Applications are also available at any branch if you’re away from your printer.

Then either drop off your application at a branch, or mail it to the main office: Heartland Bank, Attn: Credit Card Services, P.O. Box 67, Bloomington, IL 61702-0067.

	Visa Business Credit Card	Visa Business Rewards Credit Card
Rates
No Balance Transfer Fee	✓	✓
Annual Fee	None	$50
1.99% Introductory APR* for 6 months. After that, APR* will be 17.49% for a Visa Business Card and 19.49% for a Visa Business Rewards Card.	✓	✓
Rewards
Earn 1 Reward Point for Every $1 Spent		✓
Cash Back Reward		✓
Travel Redemption Rewards		✓
Gift Card Redemption Rewards		✓
Merchandise Redemption Rewards		✓
Redeem Points as Charitable Donations		✓
Benefits**
Strengthen Your Company’s Credit History	✓	✓
Separate Business from Personal Expenses	✓	✓
Employee Cards	✓	✓
Consolidating Billing Account	✓	✓
Employee Cards	✓	✓
Consolidating Billing Account	✓	✓
Emergency Card Replacement	✓	✓
Emergency Cash Disbursement	✓	✓
Travel Accident Insurance	$1,000,000	$1,000,000
Baggage Delay Reimbursement	✓	✓
Auto Rental Collision Damage Waiver	✓	✓
Travel and Emergency Assistance Services	✓	✓
Purchase Security & Extended Protection	✓	✓
Roadside Dispatch	✓	✓
Visa Liability Waiver	✓	✓

Credit Cards are issued by Heartland Bank and Trust Company. Card issuance is subject to credit approval. Restrictions and limitations apply.