Consumer Credit Cards

You have a lot of options when it comes to choosing the right credit card. Cash back? Travel points? No annual fee? Convert your rewards to a charitable gift? Heartland Bank has a credit card that works for your life, so you can access the funds you need when you need them, whether that’s a new outfit for interviews, the perfect vacation rental, or gas in the tank. Then you can use your points to pay for travel, gift cards, merchandise, or giving back. Earn access to more with a Heartland Visa credit card.

The chart below will help you figure out which card is the best fit. Then simply fill out an online application, call us at 888-897-2276, or stop by any location to get started. We’re proud to offer credit cards to residents of Illinois, Iowa, or Wisconsin.

Visa PlatinumVisa Platinum RewardsVisa Signature Rewards
Rates   
No Annual Fee
No Balance Transfer Fee
1.99% Introductory APR** for 6 Months. After that, your APR* will be 13.49%-23.49%
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  

* $5,000 minimum credit limit. Certain limitations and restrictions apply. Please refer to visa.com/signature for program details.
** Annual Percentage Rate (APR) – Read the Account Disclosure for important disclosures containing rate, fee and other cost information concerning this card.
*** You will receive a Guide to Benefits with your credit card that contains full program terms and conditions

Credit Cards are issued by Heartland Bank and Trust Company. Subject to credit approval. Restrictions and limitations apply.

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