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

Check out the chart below to see which card is right for you, then fill out our online application, call our Customer Care Center at 888-897-2276, or stop by a location near you to get started today!

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
Platinum Credit Card

Visa Platinum Rewards
Platinum Rewards Credit Card

Visa Signature Rewards^
Visa Signature Rewards Credit Card


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)  
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  
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.

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^$5,000 minimum credit limit. Certain limitations and restrictions apply. Please refer to 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.

View account agreement.

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