Visa Credit Cards

Heartland offers several Visa® Credit Cards, all with low interest rates and plenty of benefits to optimize your spending power.

Visa Credit Card Options

Visa Classic: Low rate of 14.88% APR.
Visa Gold: Low rate of 12.99% APR.
Visa Gold Plus: Low rate of 9.99% APR.
Heart of the Home Visa: designed to help with major home improvements.

Benefits for all our cards include:

No cash advance fee.
No balance transfer fee.
No penalty rate.
No annual fee.
25-day billing cycle.
10-day grace period.
No minimum finance charge.
Automatic enrollment in ScoreCard Rewards.
Accepted at millions of merchants around the world.
Online account management.
Added protection with Verified by Visa
Disclosures: Classic; Gold; Gold Plus, Fraze, Sinclair; Heart of the Home

ScoreCard Rewards

Every qualifying net dollar you charge to your Heartland Visa card earns ScoreCard Bonus Points that can be redeemed for exciting travel and fabulous brand-name merchandise. You will see that your points add up quickly when you use your card for everyday transactions as well as large purchases. You can redeem your points at www.ScoreCardRewards.com and look in the Travel and Merchandise sections for endless possibilities.

Online Account Management

Arrange to have your monthly payments made automatically from your Heartland account and review your account online at https://www.ezcardinfo.com/. Accurate, up-to-date information and no worries about getting payments in the mail on time.

Verified by Visa

You’re eligible for an extra layer of protection when you use your Heartland Visa to make online purchases. Enroll your card on the Verified by Visa website and enjoy added security and peace of mind.

Trying to Rebuild Your Credit?

If you’re looking to improve or repair your credit score, we can offer you a Secured Visa Credit Card starting at just $250. You pledge the equal amount of the credit limit with cash, and we hold it in an interest bearing savings account. After 12 on-time payments, you can request to have all your pledged funds released. Stop in any branch or call us at 800.543.9696 for more information.

Report a Lost or Stolen Visa Credit Card

If your Visa credit card has been lost or stolen, immediately call the Visa lost/stolen department at 800.325.3678 to have your card blocked. Visa will contact Heartland FCU to let us know of the report and a new card will be ordered for you. You should receive your new card in 7-10 business days.