<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1457645420941593&amp;ev=PageView&amp;noscript=1">
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Aurora

Burwell

Daykin

Diller

Fairmont

Fairbury

Geneva

Grafton

Grand Island

Hastings

Kearney

Odell

Ord LPO

Riverdale

Shickley

Update Your Preferences

Personal-Credit-Credit

Use Your Card. Get Rewarded.

Choose the Heartland Bank credit card you want and shop in-store or online, pay bills, travel locally or abroad, and earn rewards every time you use your credit card.
Classic Credit Card

1-Jul-11-2023-12-41-12-6493-AMMake Everyday Purchases More Rewarding with Cash Back1.

Use the Classic Credit Card to shop in-store or online, for monthly bills or mobile payments and get rewarded every time.

Rewards

- Earn unlimited 1% cash back1 for every purchase.

CHECK RATES & APPLY

For rates and fees* associated with the use of these cards, click here.

Card Benefits:

  • Mastercard® Zero Liability Protection2
    • Help protect against unauthorized card purchases.
  • Mastercard Global Service2
    • Global assistance, 24/7, for lost or stolen cards, emergency card replacement, and emergency cash advances.
  • Mastercard Airport Concierge3
    • Enhanced travel benefits while traveling.
  • Mastercard ID Theft Protection2
    • High-risk transaction monitoring and alerts, and white-glove restoration services.
  •  Priceless® Experiences2
    • Access to exclusive experiences including dining, concerts, Etc.

Disclosures

*For information about the rates, fees, other costs and benefits associated with the use of these cards, visit apply.creditcardservices.com/credit-card and refer to the disclosures accompanying the credit card applications.

  1. Earn one Rewards Point (1% cash back) for each $1 spent on qualified purchases. The cash redemption value of each Reward Point is $0.01. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions gonow.credit/rewards for redemption instructions and additional information.
  2. Mastercard, Priceless, and the circles design are registered trademarks of Mastercard International Incorporated. Please refer to the Mastercard Guide to Benefits for more information.
  3. For details on Mastercard Airport Concierge visit mastercard.globalairportconcierge.com

These Credit Cards are issued by Fifth Third Bank, National Association. Member FDIC. Credit Cards are subject to credit review and approval.

Ultimate Credit Card

2-Jul-11-2023-12-58-33-1582-AMTurn Everyday Purchases Into Rewards.

Use the Ultimate Credit Card to shop or pay bills and redeem for gift cards, merchandise and more.

Bonus Rewards

- Earn 10,000 bonus points when you spend $3,000 in the first 90 days1.

Standard Rewards

- Earn 1 Reward Point2 for every $1 spent.

CHECK RATES & APPLY For rates and fees* associated with the use of these cards, click here.

Card Benefits

Shop Worry Free

  • Mastercard® Zero Liability Protection3
  • Mastercard ID Theft Protection3

Travel Support

  •  Mastercard Global Service3
  •  Mastercard Airport Concierge4

Unforgettable Experiences

  •  Priceless® Experiences3

Disclosures

*For information about the rates, fees, other costs and benefits associated with the use of these cards, visit apply.creditcardservices.com/credit-card and refer to the disclosures accompanying the credit card applications.

  1. Ultimate Card Bonus Points Offer. You will earn 10,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $3,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Points expire after three years. Redeem for travel, gift cards, merchandise and more.
  2. Earn one Rewards Point for each $1 spent on qualified purchases. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points expire after 3 years from the accrual date. See the uChoose Rewards® Program Terms and Conditions gonow.credit/rewards for redemption instructions and additional information.
  3. Mastercard, Priceless, and the circles design are registered trademarks of Mastercard International Incorporated. Please refer to the Mastercard Guide to Benefits for more information.
  4. For details on Mastercard Airport Concierge visit mastercard.globalairportconcierge.com

These Credit Cards are issued by Fifth Third Bank, National Association. Member FDIC. Credit Cards are subject to credit review and approval.

World Credit Card

3-Jul-11-2023-01-13-35-6365-AM

Create Share-Worthy Experiences with Added Card Benefits and Rewards.

Use the Ultimate Credit Card to shop or pay bills and redeem for gift cards, merchandise and more.

Bonus Rewards

- Earn 25,000 bonus points when you spend $3,000 in the first 90 days1.

Standard Rewards

- Earn 1 Reward Point2 for every $1 spent.

CHECK RATES & APPLY

For rates and fees* associated with the use of these cards, click here.

Card Benefits

Shop

  • Mastercard® Zero Liability Protection3
  • Mastercard ID Theft Protection3
  • Cellular Wireless Telephone Protection4

Travel

  • Mastercard Global Service3
  • Mastercard Airport Concierge5
  • Mastercard Travel Services3

Entertain

  • Priceless® Experiences3
  • Mastercard Digital Merchant Offers4 including ride-sharing, food delivery, online shopping, and more

Disclosures

*For information about the rates, fees, other costs and benefits associated with the use of these cards, visit apply.creditcardservices.com/credit-card and refer to the disclosures accompanying the credit card applications.

1.    World Card Bonus Points Offer. You will earn 25,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $3,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Rewards Points do not expire and can be redeemed for travel, gift cards, merchandise and more. Cash back via statement credit.
2.    Earn one Rewards Point for each $1 spent on qualified purchases. Rewards Points may be redeemed for cash back or other non-cash options. Fractional Rewards Points will be rounded down to the nearest whole number. For cash-back redemptions, each Rewards Point can be redeemed for a $.01 statement credit. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions gonow.credit/rewards for redemption instructions and additional information.
3.    Mastercard, Priceless, Mastercard Travel Services and the circles design are registered trademarks of Mastercard International Incorporated. Please refer to the Mastercard Guide to Benefits for more information.
4.    All third-party trademarks are the property of their respective owners. Enrollment required to access value added discounts. Please refer to Mastercard Guide to Benefits for more information. Visit mastercard.us/worldoffers for a full list of current digital merchant offers and applicable Terms & Conditions.
5.    For details on Mastercard Airport Concierge visit mastercard.globalairportconcierge.com/

These Credit Cards are issued by Fifth Third Bank, National Association. Member FDIC. Credit Cards are subject to credit review and approval.

World Elite Credit Card

3-Jul-11-2023-01-13-35-6365-AMExpect More When You Use The World Elite Credit Card To Travel.

Travel like a VIP with amazing card benefits and rewards.

Bonus Rewards

- Earn 50,000 bonus points when you spend $5,000 in the first 90 days1.

Standard Rewards

- Earn 1 Rewards Point2 for every $1 spent.

CHECK RATES & APPLY For rates and fees* associated with the use of these cards, click here.

Card Benefits

Shop

  • Mastercard® Zero Liability Protection3
  • Mastercard ID Theft Protection3
  • Cellular Wireless Telephone Protection4

Travel

  • Mastercard Global Service3
  • Mastercard Airport Concierge5
  • Mastercard Travel Services3
  • Mastercard World Elite Concierge Services5
  • Priority Pass - Airport Lounge Access4

Entertain

  • Priceless® Experiences3
  • Mastercard Digital Merchant Offers4 including ride-sharing, food delivery, online shopping, and more

Disclosures

*For information about the rates, fees, other costs and benefits associated with the use of these cards, visit apply.creditcardservices.com/credit-card and refer to the disclosures accompanying the credit card applications.

1.    World Elite Card Bonus Points Offer. You will earn 50,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $5,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within90 days of the account open date. Rewards points do not expire and can be redeemed for travel, gift cards, merchandise and more. Cash back via statement credit.
2.    Earn one Rewards Point for each $1 spent on qualified purchases. Rewards Points may be redeemed for cash back or other non-cash options. Fractional Rewards Points will be rounded down to the nearest whole number. For cash-back redemptions, each Rewards Point can be redeemed for a $.01 statement credit. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions at gonow.credit/rewards for redemption instructions and additional information.
3.    Mastercard, Priceless, Mastercard Travel Services, Mastercard World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Please refer to the Mastercard Guide to Benefits for more information.
4.    All third-party trademarks are the property of their respective owners. Enrollment required to access value added discounts. Please refer to Mastercard Guide to Benefits for more information. Visit mastercard.us/worldoffers for a full list of current digital merchant offers and applicable Terms & Conditions.
5.    For details on Mastercard Airport Concierge visit mastercard.globalairportconcierge.com/

These Credit Cards are issued by Fifth Third Bank, National Association. Member FDIC. Credit Cards are subject to credit review and approval.

Online and Mobile Card Management

Easily and conveniently manage cards and users, view statements, make payments, set controls and alerts, plus more online or via mobile device.

Contact a Universal Banker to learn more or to apply.

These Credit Cards are issued by Fifth Third Bank, National Association. Member FDIC. Credit Cards are subject to credit review and approval.

 

 

debit-card-stock-image

 

A Better Card Experience Is At Your Fingertips

Our upgraded card experience puts more control, convenience and safety in your hands. Learn more about our Card Management features able on our mobile app:

Learn More

 
Discover-The-Difference-Switch-Banks
logo-fdic.svg   logo-ehl.svg
© 2025 Heartland Bank

Internet Explorer 10 Support Notice

Due to recently increased security requirements, we at Heartland Bank are no longer able to support version 10 or older of Internet Explorer. We are sorry for this inconvenience, and encourage you to upgrade to more secure options such as Internet Explorer 11, Google Chrome, or Mozilla Firefox.

Upgrade to Internet Explorer 11
You’re about to leave Heartland Bank to visit our trusted partner site. We included this resource on our site because we think you’ll find the information relevant to what you’re looking for. However, since it’s not operated by Heartland Bank, we can’t be accountable for the content you find there. If you have any concerns about the site you’re visiting, we encourage you to read and evaluate the privacy and security policies of the site, just in case it differs from Heartland Bank’s. Ready to go?
Yes, Let's Go!