Bank · FDIC insured
Heartland Bank and Trust Company Credit Card Rates
Heartland Bank and Trust Company credit card rates start at 11.74% APR. Rates checked October 16, 2026.
How Heartland Bank and Trust Company’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Heartland Bank and Trust Company has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Heartland Bank and Trust Company
– –
No ongoing APR published
Lowest rate
American Broadcast Employees FCU
6.99%APR
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Offer available to residents of Illinois, Iowa, Missouri or Wisconsin. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–21.74% | None | Ongoing APR after 6-month introductory period. No annual fee. No balance transfer fee. |
| Intro, 6 months | 1.99% | None | Introductory APR for 6 months. No annual fee. No balance transfer fee. |
Sources (1)
- hbtbank.com/personal-banking/consumer-credit-cards · captured Oct 7, 2026
Visa Platinum Rewards
Offer available to residents of Illinois, Iowa, Missouri or Wisconsin. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–21.74% | None | Ongoing APR after 6-month introductory period. No annual fee. No balance transfer fee. |
| Intro, 6 months | 1.99% | None | Introductory APR for 6 months. No annual fee. No balance transfer fee. |
Sources (1)
- hbtbank.com/personal-banking/consumer-credit-cards · captured Oct 7, 2026
Visa Signature Rewards
$5,000 minimum credit limit. Offer available to residents of Illinois, Iowa, Missouri or Wisconsin. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–21.74% | None | Ongoing APR after 6-month introductory period. No annual fee. No balance transfer fee. |
| Intro, 6 months | 1.99% | None | Introductory APR for 6 months. No annual fee. No balance transfer fee. |
Sources (1)
- hbtbank.com/personal-banking/consumer-credit-cards · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.