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“In an environment of rising bank card fees and rates, a credit card from a credit union can make a better choice.”
“Your only concern should be to snag the lowest possible interest rate. Just say no to any card that charges an annual fee. That’s silliness in today’s competitive market.”
–Suze Orman, financial expert
Our Credit Card Program
You get the purchasing power, benefits and worldwide acceptance as with other cards, but the Heartland MasterCard also gives you more — a choice.
Open a Heartland MasterCard today and get as low as 9.75% APR** with NO ANNUAL FEE.
Have a credit card somewhere else?
Transfer and save! Best of all, you can earn points redeemable for cash, travel and gift cards.
Lost or Stolen Card Phone Numbers
Call 1-800-528-2273 INSIDE THE U.S.
Call 812-647-9794 OUTSIDE THE U.S.
Call “collect” — the risk department will accept the charges.
Please note: Occasionally, we may want to verify recent activity on your cards. This will be in the form of a text or automated call.
**APR = Annual Percentage Rate. Quoted rate is the lowest available rate, reflects all possible discounts, and is accurate as of December 1, 2019. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility.
Click here to read the MasterCard Application & Solicitation Disclosure.
Guide to Benefits
Get rewarded just for using your Heartland MasterCard Credit Card. With Rewards!, you earn 1 point for every $1 spent.
This Guide to benefits contains detailed information about insurance and retail protection services you can access as a preferred cardholder.
Have a credit card somewhere else? Transfer and save! Best of all, you can earn points redeemable for cash, travel and gift cards.
Are you ready to change?
Join Heartland and grow with us.
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Privacy and security policies may differ between our website and this external site.
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