Make purchases, save money, and earn rewards
Rewards points add up quickly when you shop with your Heartland Mastercard credit card AND you'll save money with the low rate + $0 annual fee.
Today's Mastercard credit card rates
View rates
Immediate purchasing power
You can make a purchase any time even if you don't have the money in your checking account. This is helpful when you're between paychecks and don't want to dip into your savings.
Low rate and no annual fee
There is no annual fee to own this card, and with a lower rate than other credit card options, you can save money on interest charges.
Scorecard Rewards
Swipe your card for everyday purchases to earn rewards points! Redeem points for gift cards, travel services, electronics, and more. At participating merchants look for a message when checking out and choose YES to Pay with Points!*
View Rewards Points
Fraud protection & controls
Your Mastercard credit card gives you access to our robust card control app, Card Suite Lite, filled with features to manage and protect your card activity when you're on the go.
Card Suite Lite Card Controls
Digital Wallet
Add this card to your digital wallet and use it to make contactless payments with your phone at your favorite merchants.
Overdraft protection
You have an option to attach this card to your checking account to cover purchases that exceed your checking balance, protecting you from overdraft fees.
Receive more for making purchases
With a Heartland Mastercard credit card, you can earn reward points on every purchase. At participating merchants look for a message when checking out and choose YES to Pay with Points!* You can also redeem points for special experiences, name-brand electronics, travel services, gift cards, concert, and sports tickets, or donate to non-profit organizations. Log in to digital banking to access your rewards today!
*Transactions must exceed $10 and the points balance must be at least 2,000 points (every 2,000 points redeemed will reduce the purchase by $10). Participating retailers will notify you at the time of purchase if you have eligible points to use.
My husband and I are both on disability, yet we’re treated with the same respect as members with way more money! I can't say that happens to me often... Thank you!
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1
Apply online
You can apply using our quick and easy online application.
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2
Get approved
We will review your application and notify you of your approval, often on the same day you apply.
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3
Use your card
Once you receive your card, begin making purchases and earning reward points.
Enjoy a versatile credit card experience
With competitive rates, digital banking access, and rewards for purchases, you'll enjoy the differences of a Heartland Mastercard credit card.
Mastercard Phone Numbers
Lost or Stolen
Mastercard Debit/Credit Cards
Activation and PIN
Card activation & PIN change
(833) 925.2932
Card PIN change – international
1 (859) 488-4132
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*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. APRs are tied to the Prime Rate as published in the Wall Street Journal (8.50% as of July 26, 2023), plus or minus a margin, and could be as low as 13.50% or as high as 18.00%. Your actual rate is based on credit history. Payments shall be applied to the balance with the highest interest rate first.
Click here to read the Mastercard Application & Solicitation Disclosure.
Rates
Mastercard Credit Card Rates
| Product | APR* as low as |
|---|---|
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Mastercard |
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*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. APRs are tied to the Prime Rate as published in the Wall Street Journal (7.75% as of November 8, 2024), plus or minus a margin, and could be as low as 12.75% or as high as 18.00%. Your actual rate is based on credit history. Payments shall be applied to the balance with the highest interest rate first.
All features
Online application
You can apply for a Mastercard credit card through our site in a matter of minutes.
Digital banking access
Manage your card balance, payments and view transactions anytime and anywhere using Heartland's digital banking.
Low transfer fee
You can transfer your balance of another card to a Mastercard credit card for a lower cost than other options.
Instant issue
You can instantly receive a replacement card at one of our branch locations if your card is lost or stolen.
Digital transaction alerts
You can turn on push, text, or email messages to alert you regarding payment due dates, recent charges, and more.
Cash advance
If you need cash in a pinch, you can access funds from this card's line of credit at an ATM or HCU branch.
Accepted worldwide
Wherever you may travel, rest assured that you can successfully make the purchases you need.
Apply for a Mastercard® credit card
https://heartlandcu.myori.com/app/ola/ola-consumer-loan-type
Download the app today
The SecurLOCK Equip mobile app is available on both the App Store and Google Play. Turn on automatic updates to ensure you have access to the latest features as they’re made available!
Download Card Suite Lite Mobile App
The Card Suite Lite mobile app is available on both Apple App Store and Google Play Store. Make sure you have automatic updates on to ensure you always have the latest version and features as they're made available.
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- Download the Card Suite Lite app
- Register your card(s)
- Take advantage of all the great features Card Suite Lite has to offer!
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