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Everyday Visa Credit Card

With simplicity and convenience at its core, the Everyday Visa credit card is designed for your day-to-day transactions. The Everyday Visa features our lowest variable rate, no annual fee, and benefits to protect your purchases. It’s the Heartland Way.

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0% APR* for 12 Months on Balance Transfers

Transfer a balance from a non-HCU account and get 0% Annual Percentage Rate for 12 months.

Lowest Variable Rate

Take advantage of Heartland’s lowest variable rate with the Everyday Visa credit card. And enjoy 0% APR* for 12 months on balance transfers.

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Back to the Basics

The Everyday Visa credit card is straightforward: no points to keep track of, no annual fee, just an easy, reliable card for your everyday shopping.

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.

Everyday Purchases, Anywhere

From buying groceries, going out to eat, shopping online, or traveling abroad, use the Everyday Visa wherever you go—all with zero foreign transaction fees.
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Everyday Visa Card Features

  • 0% APR* for 12 months on balance transfers to your Everyday Visa
  • No annual fee
  • No foreign transaction fee
  • 10-day late payment grace period
  • 100% fraud protection, zero-dollar liability
  • Cash advances at ATMs worldwide
  • Instant issue available at any HCU branch
  • Card management inside HCU Digital Banking
  • Waive the service charge on your Beyond Freedom Spending account by using your HCU Everyday Visa credit card
Apply Now

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

Check your credit card balance and review transactions, see your availalbe 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 credit card.

*0.00% Annual Percentage Rate for 12 billing cycles, on all balances transferred from a non-HCU credit card between March 3 and April 30, 2025. 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.