Visa Credit Cards

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


Low, Non-Variable Rate:

14.88% APR*

Balance Transfer Intro Rate:

1.99% APR*

* APR=Annual Percentage Rate. Applicants with low credit may qualify for this card. Introductory rate is active for 6 billing cycles. All payments over $1,000 may be subject to a three day hold. View VISA Credit Card Disclosures.

Benefits

  • No cash advance fee
  • No balance transfer fee
  • No penalty fee
  • No annual fee
  • 25-day billing cycle
  • 10-day grace period
  • No minimum finance charge
  • Automatic enrollment in ScoreCard Rewards
  • $250,000 Travel Accident Insurance coverage when used to buy airline tickets
  • Car rental liability insurance coverage when used to rent car
  • Accepted at millions of merchants around the world
  • Online account management

Secured Visa Credit Card

Secured Visa Credit Card available. If your goal is to improve or repair your credit score, we can offer you a Secured Visa Credit Card between $250 and $500. You pledge the equal amount of the credit limit with cash, and we hold it in an dividend bearing savings account. After 12 on-time payments, you may reapply for an unsecured VISA Credit Card and get your pledged funds released – plus dividend!

Low, Non-Variable Rate:

12.99% APR*

Balance Transfer Intro Rate:

1.99% APR*

* APR=Annual Percentage Rate. Qualification for this card is an average credit score. Introductory rate is active for 6 billing cycles. All payments over $1,000 may be subject to a three day hold. View VISA Credit Card Disclosures.

Benefits

  • No cash advance fee
  • No balance transfer fee
  • No penalty fee
  • No annual fee
  • 25-day billing cycle
  • 10-day grace period
  • No minimum finance charge
  • Automatic enrollment in ScoreCard Rewards
  • $500,000 Travel Accident Insurance coverage when used to buy airline tickets
  • Car rental liability insurance coverage when used to rent car
  • Accepted at millions of merchants around the world
  • Online account management

Low, Non-Variable Rate:

9.99% APR*

Balance Transfer Intro Rate:

1.99% APR*

* APR=Annual Percentage Rate. Qualification for this card is a high credit score. Introductory rate is active for 6 billing cycles. All payments over $1,000 may be subject to a three day hold. View VISA Credit Card Disclosures.

Benefits

  • No cash advance fee
  • No balance transfer fee
  • No penalty fee
  • No annual fee
  • 25-day billing cycle
  • 10-day grace period
  • No minimum finance charge
  • Automatic enrollment in ScoreCard Rewards
  • $500,000 Travel Accident Insurance coverage when used to buy airline tickets
  • Car rental liability insurance coverage when used to rent car
  • Accepted at millions of merchants around the world
  • Online account management

Card Security

  • Chip Technology
  • Fraud Protection
  • Enhanced 3D-Security

VISA Online Access

View your Visa Credit Card transactions, perform balance transfers, create alerts, and more online!

Important Numbers

1.844.334.3873

  • Card activation
  • PIN change
  • Fraud, dispute transactions
  • Lost or stolen

ScoreCard Rewards

All cardholders are automatically enrolled in ScoreCard Rewards. Each dollar charged earns you a point.

Call ScoreCard at 800.854.0790 or create an account online and start shopping.

ScoreCard Rewards expire after 36 months. Refer to your online account or ScoreCard statement for details.



REACH Financial Success Education

Credit Cards

83% of adults in the US have at least one credit card. A credit card can be a great financial tool with many benefits, but it’s important that consumers also understand the consequence if they don’t use their cards responsibly. This short, interactive learning experience will review:

  • How credit cards work
  • The benefits and risks of credit cards
  • How credit card use influences your credit score

HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch lobbies are open. If you would like to make an appointment, click to our COVID-19 Resource Page.Learn more about our response to COVID-19
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