Buy school supplies, earn DOUBLE rewards points!
Rewards points add up quickly when you shop with your Heartland Mastercard credit card through September 30.* AND you'll save money with the low rate + $0 annual fee.
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*Qualifying purchases completed with Heartland’s consumer Mastercard credit cards between 8/8/2024 and 9/30/2023 will earn double points on Merchant Category Codes (MCC) 5044, 5045, 5111, 5137, 5192, 5300, 5310, 5311, 5399, 5411, 5611, 5641, 5651, 5691, 5699, 4732, 5734, 5912, 5931, 5942, 5999, 7372, 7379, 7911, 8211, 8220, 8241, 8249, and 8299 as assigned to each merchant by Mastercard. Refer to your statement to view codes and determine which transactions will qualify. Business credit card purchases are not eligible for this promotion. A qualifying purchase shall mean: (i)a transaction that is charged to an eligible consumer credit card account covered by the Rewards Program, and (ii) a transaction that appears on your statement during the billing period. Points are deducted for returns. No points are earned for balance transfers, finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges. Points will be awarded by October 30, 2024. 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
Whenever you swipe this card for your everyday purchases, you can earn points to redeem for gift cards, travel services, electronics, and more. View your rewards points now if you already have a Heartland Credit Card!
View Rewards Points
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.
Fraud protection
Your Mastercard credit card gives you access to our robust card control app, SecurLOCK Equip, filled with features to manage and protect your card activity when you're on the go.
SecurLOCK Equip Card ControlsReceive more for making purchases
With a Heartland Mastercard credit card, you can earn reward points on every purchase. Redeem them for special experiences, name-brand electronics, travel services, gift cards, concert and sports tickets, or even donate your points to non-profit organizations to help others. Login to your Heartland digital banking account to access your rewards today!
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
(833) 933.1681 – inside the U.S.
(812) 647.9794 – outside the U.S.
Call “collect” — the risk department will accept the charges.
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 (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.
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 SecurLOCK™ Equip Mobile App
The SecurLOCK™ Equip 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 SecureLOCK Equip app
- Register your card(s)
- Take advantage of all the great features SecurLOCK Equip has to offer!
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