Credit union · NCUA insured
Heartland Credit Union Credit Card Rates
Heartland Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Heartland Credit Union’s credit card rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Heartland Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Heartland Credit Union
10.90%APR
- Up to
- 14.90% APR
Visa Platinum
Lowest rate
NSP Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Pipefitters Steamfitters Credit Union
8.75%APR
- Up to
- —
Heartland Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heartland Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Rates are non-variable based on creditworthiness. Balances must be transferred within first 60 days of new card being opened to qualify for introductory rate. Current cardholders do not qualify. Maximum rate will not exceed 18% APR. Foreign Transaction Fee: 1.00% of the U.S. dollar amount. Minimum credit limit $200. If applicant is under 21 years old, a cosigner is required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.90% | None | Intro Balance Transfer Rate for balances transferred within the first 60 days of card opening. 2.90% APR for 12 billing cycles. After that the non-variable APR will be 10.90%-14.90%, based on creditworthiness. Balance transfer fee $0. Current cardholders do not qualify. |
| Ongoing | 10.90%–14.90% | None | Non-variable APR based on creditworthiness. Applies to purchases, balance transfers, and cash advances. $0 annual fee, $0 balance transfer and cash advance fee. Revolving line. |
Sources (1)
- heartlandcu.com/cards/credit-cards/visa-platinum · captured Oct 5, 2026
Visa Platinum Rewards
Rates are non-variable based on creditworthiness. Balances must be transferred within first 60 days of new card being opened to qualify for introductory rate. Current cardholders do not qualify. Maximum rate will not exceed 18% APR. Foreign Transaction Fee: 1.00% of the U.S. dollar amount. Minimum credit limit $200.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.90% | None | Intro Balance Transfer Rate for balances transferred within the first 60 days of card opening. 2.90% APR for 12 billing cycles. After that the non-variable APR will be 11.90%-15.90%, based on creditworthiness. Balance transfer fee $0. Current cardholders do not qualify. |
| Ongoing | 11.90%–15.90% | None | Non-variable APR based on creditworthiness. Applies to purchases, balance transfers, and cash advances. $0 annual fee, $0 balance transfer and cash advance fee. Revolving line. |
Sources (1)
- heartlandcu.com/cards/credit-cards/visa-platinum · captured Oct 5, 2026
Visa Signature
Rates are non-variable based on creditworthiness. Balances must be transferred within first 60 days of new card being opened to qualify for introductory rate. Current cardholders do not qualify. Maximum rate will not exceed 18% APR. Foreign Transaction Fee: 1.00% of the U.S. dollar amount. Minimum credit limit $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.90% | None | Intro Balance Transfer Rate for balances transferred within the first 60 days of card opening. 2.90% APR for 12 billing cycles. After that the non-variable APR will be 13.90%-17.90%, based on creditworthiness. Balance transfer fee $0. Current cardholders do not qualify. |
| Ongoing | 13.90%–17.90% | None | Non-variable APR based on creditworthiness. Applies to purchases, balance transfers, and cash advances. $0 annual fee, $0 balance transfer and cash advance fee. Revolving line. |
Sources (1)
- heartlandcu.com/cards/credit-cards/visa-platinum · captured Oct 5, 2026
Who can join Heartland Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.