More Points. More Perks. More Possibilities.
Your Rewards Visa Credit Card
With the Your Rewards Visa credit card, you’ll earn points every time you use your card and bonus points on gas, groceries, and dining out. The best part is that you get to choose the reward that suits you most. From travel, statement credit, and cashback to merchandise, gift cards, and charitable donations, the possibilities are endless. It’s the Heartland Way.
Your Rewards Visa Card Features
- Earn two points for every dollar spent
- Earn three points per dollar spent on gas, groceries, and NOW dining out, up to $1,000 per month
- Redeem points for cashback, gift cards, merchandise, travel, charitable donations, and NOW 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
- 0% intro APR* for 12 months on balance transfers, when you open 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
*Membership required. 0.00% introductory APR for a period of 12 billing cycles on balance transfers done within 60 days of card open date. After that, your APR will be 18.99% to 24.00% APR, based on your credit worthiness.