MasterCard
“In an environment of rising bank card fees and rates, a credit card from a credit union can make a better choice.”
–Bankrate.com
“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
Have a credit card somewhere else?
Save BIG when you transfer the balance from another credit card to your Heartland Mastercard today! 0% APR* for 12 months** and for every $1 you transfer, you’ll earn an extra Rewards! point.
Watch your points add up! Then, when you’re ready to redeem them, just log in to your account and select your rewards from gift cards, merchandise and travel.
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 12.00% APR** with NO ANNUAL FEE.
Lost or Stolen Card Phone Numbers
Call 833.933.1681 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 is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. As of December 1, 2022 the APR is as low as 12.00% and as high as 18.00%. Your actual rate is based on credit history. This APR is variable based on the current Prime Rate, 7.50% as of December 15, 2022. Payments shall be applied to the balance with the highest interest rate first.
**After the introductory period, non-promotional current rates (stated above) apply. By accepting this offer, you authorize us to obtain credit reports and make any inquiries deemed appropriate and to tell others about our credit experience with you. Verification of income and other information or supporting documentation may be required to complete application processing. Credit may not be extended if, after you respond, we find that you do not meet our credit granting criteria. Visit www.heartlandcu.org to verify rates, terms and fees. This offer cannot be used to pay off another Heartland Credit Union loan. Balance transfer amounts are subject to a 2% balance transfer fee, minimum $10 fee. Federally insured by NCUA.
Click here to read the MasterCard Application & Solicitation Disclosure.
Rewards!
Get rewarded just for using your Heartland MasterCard Credit Card. With Rewards!, you earn 1 point for every $1 spent.
Benefit Guide
This Guide to benefits contains detailed information about insurance and retail protection services you can access as a preferred cardholder.
Balance Transfer
Have a credit card somewhere else? Transfer and save! Best of all, you can earn points redeemable for cash, travel and gift cards.