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More Points. More Perks. More Possibilities.

Get more with every purchase.

Your Rewards Visa Credit Card

With the Your Rewards Visa credit card, you’ll earn points every time you use your card and bonus points on gas, groceries, and dining out. The best part is that you get to choose the reward that suits you most. From travel, statement credit, and cashback to merchandise, gift cards, and charitable donations, the possibilities are endless. It’s the Heartland Way.


Transform your ordinary transactions into valuable rewards points with HCU’s Your Rewards credit card. With the Your Rewards credit card in hand, you’ll earn points on every purchase and three points per dollar on gas, groceries, and dining out!


HCU’s Your Rewards Visa delivers value beyond points and rewards. Cardholders have access to perks like Porch Piracy Protection, Lost Luggage Reimbursement, Travel and Emergency Assistance Services and more.

Cardholder Benefits

Trip Cancellation and Trip Interruption

For those times when your trip doesn't go as planned.

Click for details.


Luggage not make it to your destination? We've got you covered.

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Travel and

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

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Auto Rental Coverage Damage Waiver

can happen, but you
can be covered.

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extra protection on
qualifying purchases.

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for that
special delivery.

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Whether you’re a frequent traveler, a shopping enthusiast, or a foodie, the Your Rewards Visa gives you the flexibility to choose the reward that suits you most. You can even choose cashback or a statement credit!

Your Rewards Visa Card Features

  • Earn two points for every dollar spent
  • Earn three points per dollar spent on gas, groceries, and NOW dining out, up to $1,000 per month
  • Redeem points for cashback, gift cards, merchandise, travel, charitable donations, and NOW statement credit
  • Instant issue available at any HCU branch
  • No foreign transaction fee
  • 10-day late payment grace period
  • 100% fraud protection, zero-dollar liability
  • Cash advances at ATMs worldwide
  • No annual fee
  • 0% intro APR* for 12 months on balance transfers, when you open a new Your Rewards Visa
  • BONUS OFFER: Earn 20,000 bonus points after you spend $3,000 in the first 3 months after account opening

Or have an HCU representative contact you about an HCU Credit Card.

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.

*Membership required.  0.00% introductory APR for a period of 12 billing cycles on balance transfers done within 60 days of card open date.  After that, your APR will be 18.99% to 24.00% APR, based on your credit worthiness.