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 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 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.