A special offer to help you move forward into the New Year
If you’re carrying balances on higher-interest cards, transferring them to a Heartland credit card can simplify payments and help reduce interest over time.
-
*APR is Annual Percentage Rate. Offer ends February 28, 2026. Non-promotional current rates will be applied to all purchases and cash advances. As of January 1, 2026 the APR is as low as 12.00% and as high as 18.00%. Your actual rate is based on credit history. This APR is variable based on the current Prime Rate, 7.00% as of November 1,2025. Payments shall be applied to the balance with the highest interest rate first. Offer applies only to consumer credit cards, business credit cards do not qualify. Normal credit granting standards apply.
**After the introductory period, non-promotional current rates (stated above) apply. By accepting this offer, you authorize us to obtain credit reports and make any inquiries deemed appropriate and to tell others about our credit experience with you. Verification of income and other information or supporting documentation may be required to complete application processing. Visit www.heartlandcu.org to verify rates, terms and fees. This offer cannot be used to pay off another Heartland Credit Union loan. A 2% balance transfer fee applies (minimum $10). Federally insured by NCUA.
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!
-
1
Apply online
You can apply using our quick and easy online application.
-
2
Get approved
We will review your application and notify you of your approval, often on the same day you apply.
-
3
Use your card
Once you receive your card, begin making purchases and earning reward points.
Make purchases, save money, and earn rewards
With a Heartland Credit Union rewards Mastercard® credit card, the low rates and $0 annual fee help you save money. Digital banking makes managing your balance easy and convenient.
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
You may also be interested in
Rates
Mastercard Credit Card Rates
| Product | APR* as low as |
|---|---|
| Mastercard |
|
*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. Rates are variable and tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin. The prime rate as of
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.
-
- Download the Card Suite Lite app
- Register your card(s)
- Take advantage of all the great features Card Suite Lite has to offer!
Request Mortgage Appointment
Get Code
Schedule an appointment
Virtual Appointment:
In-Branch Appointment:
File a Loan Protection Claim
Protection when it matters. We are here to help!
In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:
- Life
- Terminal Illness
- Accidental Dismemberment
- Hospitalization
- Family Medical Leave
- Loss of life of a Dependent
- Disability
- Involuntary Unemployment
To begin, please fill out a claim form HERE!
If you prefer, call 1.800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.
Leaving Our Website
You are now leaving our website and being directed to an external site. This link is provided for your convenience; however, we do not control the content, products, or services available there. We encourage you to review the site’s privacy and security policies, and terms and conditions, to ensure they meet your needs.