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.

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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.

Points

Transform your ordinary transactions into valuable rewards points with HCU’s Your Rewards credit card. With the Your Rewards credit card in hand, you’ll earn points on every purchase and three points per dollar on gas, groceries, and dining out!
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Perks

HCU’s Your Rewards Visa delivers value beyond points and rewards. Cardholders have access to perks like Porch Piracy Protection, Lost Luggage Reimbursement, Travel and Emergency Assistance Services and more.

Cardholder Benefits

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Trip Cancellation and Trip Interruption

For those times when your trip doesn't go as planned.

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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.

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Extended
Warranty
Protection

Providing
extra protection on
qualifying purchases.

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Porch
Piracy
Protection

Protection
for that
special delivery.

Click for details.

Possibilities

Whether you’re a frequent traveler, a shopping enthusiast, or a foodie, the Your Rewards Visa gives you the flexibility to choose the reward that suits you most. You can even choose cashback or a statement credit!
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Your Rewards Visa Card Features

  • Earn two points for every dollar spent
  • Earn three points per dollar spent on gas, groceries, and dining out, up to $1,000 per month
  • Redeem points for cashback, gift cards, merchandise, travel, charitable donations, and 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
  • Waive the service charge on your Beyond Freedom Spending account by using your HCU Your Rewards credit card
  • 0% APR* for 12 months on balance transfers to a Your Rewards Visa
  • BONUS OFFER: Earn 20,000 bonus points after you spend $3,000 in the first 3 months after account opening
Apply Now

Or have an HCU representative contact you about a Heartland Credit Union Credit Card.

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 Heartland Credit Union 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.