Personal Credit Cards
We've got the credit card that's right for you!
There are a lot of credit cards to choose from, so how do you find the one that’s right for you? At Heartland Bank, we don’t believe in holding you back. With no limits as to how you earn your rewards, our simple, yet powerful system lets you spend, earn, and redeem however – and wherever – you want. Reach your earning potential by taking advantage of the many benefits of our personal Visa credit cards, including:
- Low Interest Rates
- Earning Rewards
- Tracking Expenses
- Travel Perks
Please Note: To apply and be considered for a Heartland Bank personal credit card, your primary residence must be located in Illinois or Wisconsin.
Visa Platinum Rewards
Visa Signature Rewards^
|No Annual Fee||✓||✓||✓|
|No Balance Transfer Fee|
Pay off higher-rate cards and save.
|1.99% Introductory APR* For 6 Months|
Save with a low rate on purchases AND balance transfers.
|Earn 1 Reward Point for Every $1 Spent||✓||✓|
|Cash Back Rewards|
Get a statement credit.
|Travel Redemption Rewards|
Redeem for hotel stays, rental cars, cruises, experiences, and airline travel on major carriers with no blackout dates.
|Gift Card Redemption Rewards|
A huge selection of gift cards from popular retailers, restaurants and entertainment.
|Merchandise Redemption Rewards|
Thousands of merchandise choices, including top brand name items.
|Redeem Points as Charitable Donations|
Choose to give to a wide variety of charities.
|Emergency Card Replacement||✓||✓||✓|
|Emergency Cash Disbursement||✓||✓||✓|
|Travel Accident Insurance||$1,000,000||$1,000,000||$1,000,000|
|Baggage Delay Reimbursement||✓||✓||✓|
|Auto Rental Collision Damage Waiver||✓||✓||✓|
|Travel and Emergency Assistance Services||✓||✓||✓|
|Cell Phone Protection||✓||✓||✓|
|Purchase Security & Extended Protection||✓||✓|
|Purchase Security ($500)||✓|
|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||✓|
|Warranty Manager Service||✓|
|Year-End Summary Statement|
Easy-to-read report of your annual Visa Signature spending.
|Visa Signature Perks|
Access to exclusive Visa Signature benefits, experiences, and fine wine and food events.
|Visa Signature Concierge|
Save time and make life easier with the complimentary service to book travel, obtain tickets, and make reservations!
Maximize Your Rewards Point-Earning Potential
There are endless perks to using a personalized Visa credit card through Heartland Bank. With two credit card options to choose from, there are tons of opportunities to maximize your rewards point potential. Explore all the unique ways to earn and redeem rewards points!
Complete Control: You shouldn’t be limited as to where you spend your money, so why be limited as to where you earn rewards? With your personalized credit card through Heartland Bank, you earn a point for every dollar you spend – no matter where you spend it. How you choose to take advantage of those reward points is entirely up to you. Whether you want to redeem your points for cash back, traveling, gift cards, or merchandise, there are tons of options to getting the most out of your reward points.
Feel Safe: Stay protected against identity thieves with a chip-enabled credit card. This tiny technology amps up the security on your card by creating a unique code for each purchase you make. Think of it as an extra bodyguard for you and your personal information.
Give Back: Heartland Bank believes in the power of community, which is why we offer a unique opportunity to give back to those in need. You can use your earned points to donate to a wide variety of charities. With a wide variety to choose from, you can feel confident knowing your money is going towards a wonderful cause you believe in.
Traveling Perks: Get the most out of your personal credit card even when you’re not at home. The first step to doing that is using your earned points to book a flight! You can do it through most major carriers with no black-out dates. And once you’ve reached your destination, use your points for your hotel stay and rental car. If you’re itching to get off dry land, take your vacation out to sea by booking a cruise! Your personal credit card also has you covered should you run into any road blocks, like lost luggage or damaging a rental car.
^$5,000 minimum credit limit. Certain limitations and restrictions apply. Please refer to visa.com/signature for program details.
*Annual Percentage Rate (APR) – Please CLICK HERE for important disclosures containing rate, fee and other cost information concerning this card.
**Please refer to the Guide to Benefits that will arrive with your credit card for full program terms and conditions.