Points. Perks.
Possibilities.

Enjoy a 0% intro APR* for 12 months on balance transfers, when you open a new Your Rewards Visa.

Apply Now
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Your Rewards Visa Credit Card

Earn points every time you use your card—with extra points on gas, groceries, and dining. Redeem them how you want: travel, cash back, gift cards, statement credit, donations, and more. Simple, rewarding, and made for you. It’s the Heartland Way.

Points.

Transform your everyday transactions into redeemable rewards. You'll earn points on every purchase plus triple points on gas, groceries, and dining out.

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Perks.

Go beyond rewards with access to perks like Porch Piracy Protection, Lost Luggage Reimbursement, Travel and Emergency Assistance and more.

Possibilities.

Whether you're a frequent traveler, a shopping enthusiast, or a foodie, enjoy the flexibility to choose the rewards you want. From cashback to statement credits, donations, and more.

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Apply Now

Cardholder Benefits

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Trip Cancellation and Trip Interruption

For those times when your trip doesn't go as planned.

Click for details.

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Lost
Luggage
Reimbursement

Luggage not make it to your destination? We've got you covered.

Click for details.

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Travel and
Emergency
Services

Here to help you if an emergency happens when you're away from home.

Click for details.

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Auto Rental Coverage Damage Waiver

Accidents
can happen, but you
can be covered.

Click for details.

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Extended
Warranty
Protection

Providing
extra protection on
qualifying purchases.

Click for details.

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Porch
Piracy
Protection

Protection
for that
special delivery.

Click for details.

Start Earning Your Rewards with 0% intro APR* for 12 Months

Apply now or complete the form below and a representative will contact you.

Start Earning Your Rewards with 0% intro APR* for 12 Months

Apply now or complete the form below and a representative will contact you.

Your Rewards Visa Card Features

  • Earn two points for every dollar spent
  • Earn three points per dollar spent on gas, groceries, and dining out, up to $1,000 per month
  • Redeem points for cashback, gift cards, merchandise, travel, charitable donations, and statement credit
  • Instant issue available at any HCU branch
  • No foreign transaction fee
  • 10-day late payment grace period
  • 100% fraud protection, zero-dollar liability
  • Cash advances at ATMs worldwide
  • No annual fee
  • All Your Rewards Visa Cards are tap to pay
  • Waive the service charge on your Beyond Freedom Spending account by using your HCU Your Rewards credit card
  • 0% intro APR* for 12 months on balance transfers to a new Your Rewards Visa
  • BONUS OFFER: Earn 20,000 bonus points after you spend $3,000 in the first 3 months after account opening

Seamlessly monitor and manage your HCU credit card right inside HCU Digital Banking

Check your credit card balance and review transactions, see your available credit and set up automatic payments.

Customize text and email alerts and add travel notifications. View eStatements, dispute a charge, report fraud, or transfer a balance from another card.
Access your account whenever you need it from your desktop or mobile device seamlessly from inside HCU Digital Banking.

Click to learn more about managing your Heartland Credit Union credit card.

*Membership required. 0.00% introductory APR for a period of 12 billing cycles on balance transfers done within 60 days of card open date. On the 13th billing cycle, the rate will revert to the standard balance transfer rate for your card program, which will be 15.99-24.00% APR based on your credit worthiness. 13.99% APR to 24.00% APR for purchases, based on your card program and credit worthiness. 3% balance transfer fee applies. Limited time offer. Membership required. Rates accurate as of Feb. 19, 2025 and may change without notice.