Young Adult Card from Heartland Bank Review

Heartland Bank isn’t a bank that you think of a lot when you’re looking to apply for a student credit card. While the bank isn’t large, it is a bank that you may want to check out when you’re thinking about applying for a credit card. What you’re going to find is that while their selection is rather low, you’re going to find that the selection that they do have is a good one.


With the Heartland Bank card, they are going to allow young adults to build credit, as well as help you with rewards where you can get travel perks, as well as more. While the rewards system isn’t as advanced as many of your bigger banks such as Citi, and Capital One, you will find that you’re getting rewards. It’s always better than nothing!


On top of the rewards, you’re going to get online access, where you can view many features / options such as your current balance, your minimum payment, your credit limit and so much more. Basically, you’re going to be able to see everything associated with your card. You will also be able to apply for the card here as well.


For the APR, you will find that the introductory rate, as well as your standard rate, it’s going to be in the middle of the road. It’s not going to be the best, nor is it going to be the worst. Remember that if you pay your card off in full each billing statement, you’re going to be able to avoid all interest all together.


For the fees, there is no annual fee, so the fees associated with this card tend to be rather minimal. Overall, you’re going to find that this card is in the middle. It’s not the best card on the market, but it’s not the worst. It will have a major logo, so be assured that it will be accepted from millions of merchants!

Looking at the pros:

  • Rewards program
  • Great for young adults


Looking at the cons:

  • APR is sub par



Credit Report Scores
Below is a chart of credit report scores. Credit report scores are important when it comes to applying for a credit card. To find out what your credit report score is, please click on the link below.
Great Credit
Good Credit
Fair Credit
Poor Credit
No Credit
Be Social!