Everyday Visa Credit Card

With simplicity and convenience at its core, the Everyday Visa credit card is designed for your day-to-day transactions. The Everyday Visa features our lowest variable rate, no annual fee, and benefits to protect your purchases. It’s the Heartland Way.

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Lowest Variable Rate

Take advantage of Heartland’s lowest variable rate with the Everyday Visa credit card. And new cardholders enjoy 0% intro APR* for 12 months on balance transfers.
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Back to the Basics

The Everyday Visa credit card is straightforward: no points to keep track of, no annual fee, just an easy, reliable card for your everyday shopping.

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.

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Travel and
Emergency
Services

Here to help you if an emergency happens when you're away from home.

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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.

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Everyday Purchases, Anywhere

From buying groceries, going out to eat, shopping online, or traveling abroad, use the Everyday Visa wherever you go—all with zero foreign transaction fees.
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Everyday Visa Card Features

  • 0% intro APR* for 12 months on balance transfers, when you open a new Everyday Visa
  • No annual fee
  • No foreign transaction fee
  • 10-day late payment grace period
  • 100% fraud protection, zero-dollar liability
  • Cash advances at ATMs worldwide
  • Instant issue available at any HCU branch
  • Card management inside HCU Digital Banking
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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 credit card.

*Membership required.  0.00% introductory APR for a period of 12 billing cycles on balance transfers done within 60 days of card open date.  3% balance transfer fee applies. After that, your APR will be 16.99% to 24.00% APR, based on your credit worthiness.