Mastercard® credit card

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.

Apply for a Mastercard credit card Visit Scorecard Rewards

Today's Mastercard credit card rates

View rates

12 months

As low as

% APR*

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.

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 keep your card information, credit score, and more protected from thieves.

Download the app today

View all features

Scorecard Rewards

Receive 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.

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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!

— Ann H., Merrimac, Member Since 2020

Merrimac

How it works

Apply and qualify for a Mastercard credit card in a few easy steps.

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.

Apply for a Mastercard credit card

Have a question? Contact us

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.

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Lost or Stolen Card Phone Number

Mastercard Debit/Credit Cards

Call 833.933.1681 inside the U.S.
Call 812.647.9794 outside the U.S.
Call “collect” — the risk department will accept the charges.

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Financial Fitness Coach

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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

Mastercard

Rates effective as of: February 20, 2025

*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.