Bank · FDIC insured
Horizon Bank Credit Card Rates
Horizon Bank credit cards start at 19.24% APR on purchases, after any introductory rate. Rates checked September 18, 2026.
How Horizon Bank’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Horizon Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Horizon Bank
19.24%APR
- Annual fee
- $99
- Up to
- 28.24% APR
TRAVEL REWARDS+ CARD
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
- Annual fee
- None
- Up to
- —
Horizon Bank credit card score
60
Credit card score
Higher than 0% of U.S. banks and credit unions
- Purchase APRPurchase APR19.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Horizon Bank ranks
By credit card score, in each area where it has branches
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.
COLLEGE REAL REWARDS CARD
Intro APR for first 6 billing cycles. After that, variable APR based on creditworthiness, market and Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory APR for the first 6 billing cycles. |
| Ongoing | 17.99%–28.24% | None | After intro period, variable APR based on creditworthiness, market and Prime Rate. Annual Fee: None. |
Sources (1)
- horizonbank.com/personal/Bank/credit-cards · captured Sep 18, 2026
EVERYDAY REWARDS+ CARD
Introductory APR of 0% on purchases and balance transfers for the first 12 billing cycles, then variable APR of 17.99% to 28.24% based on Prime Rate and creditworthiness. Balance transfer fee of 5% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for the first 12 billing cycles on purchases and balance transfers. |
| Ongoing | 17.99%–28.24% | None | Variable APR based on Prime Rate and creditworthiness after introductory period. |
Sources (1)
- horizonbank.com/personal/Bank/credit-cards · captured Sep 18, 2026
MAX CASH PREFERRED CARD
Introductory APR of 0% on purchases and balance transfers for the first 12 billing cycles, then variable APR of 17.99% to 28.24% based on Prime Rate and creditworthiness. Balance transfer fee of 5% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for the first 12 billing cycles on purchases and balance transfers. |
| Ongoing | 17.99%–28.24% | None | Variable APR based on Prime Rate and creditworthiness after introductory period. |
Sources (1)
- horizonbank.com/personal/Bank/credit-cards · captured Sep 18, 2026
MAX CASH SECURED CARD
Security deposit required (credit limit equals deposit amount). Variable APR based on Prime Rate. Balance transfer fee of 5% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 28.74% | None | Variable APR of 28.74% on purchases and balance transfers based on Prime Rate. |
Sources (1)
- horizonbank.com/personal/Bank/credit-cards · captured Sep 18, 2026
RESERVE REWARDS+ CARD
$390 annual fee. Variable APR of 19.24% to 28.24% based on Prime Rate and creditworthiness. Balance transfer fee of 5% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.24%–28.24% | $390 | Variable APR based on Prime Rate and creditworthiness. |
Sources (1)
- horizonbank.com/personal/Bank/credit-cards · captured Sep 18, 2026
SECURED CARD
Security deposit required (credit limit equals deposit amount). Variable APR based on Prime Rate. Balance transfer fee of 5% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 27.74% | None | Variable APR of 27.74% on purchases and balance transfers based on Prime Rate. |
Sources (1)
- horizonbank.com/personal/Bank/credit-cards · captured Sep 18, 2026
TRAVEL REWARDS+ CARD
$0 introductory annual fee for the first 12 months, then $99. Variable APR of 19.24% to 28.24% based on Prime Rate and creditworthiness. Balance transfer fee of 5% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 19.24%–28.24% | None | $0 introductory annual fee for the first 12 months. Variable APR based on Prime Rate and creditworthiness. |
| Ongoing | 19.24%–28.24% | $99 | $99 annual fee after the first 12 months. Variable APR based on Prime Rate and creditworthiness. |
Sources (1)
- horizonbank.com/personal/Bank/credit-cards · captured Sep 18, 2026
ZERO+ CARD
Introductory APR of 0% on purchases and balance transfers for the first 21 billing cycles, then variable APR of 17.49% to 28.49% based on Prime Rate and creditworthiness. Balance transfer fee of 5% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 21 months | 0.00% | None | 0% introductory APR for the first 21 billing cycles on purchases and balance transfers. |
| Ongoing | 17.49%–28.49% | None | Variable APR based on Prime Rate and creditworthiness after introductory period. |
Sources (1)
- horizonbank.com/personal/Bank/credit-cards · captured Sep 18, 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.