Heartland Platinum Business Rewards
Heartland Platinum Business Rewards
Heartland Platinum Business Rewards
Card details
Earn 1% on purchases
2% on gas, restaurants, and telecom
Rates, fees & offers
Annual fee
$0
Rewards rate
1.00%
Bonus offer
$25 Cash Back Bonus
Intro APR
Purchase: 0% for 6 mos
Transfer: 0% for 6 mos
Ongoing APR
Min APR: 10.74%, Variable
Max APR: 21.74%, Variable
Penalty APR: Up to 29.74%, Variable
Cash Advance APR: 24.74%, Variable
Balance transfer fee
3%
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
 Heartland Platinum Business Rewards | ||
|---|---|---|
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR10.74% - 21.74% Variable | Regular APRSee Terms | |
Intro APRPurchase: 0% for 6 mos | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Tim Chen
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Rating details
3.5
Editor's overall rating
Pros and cons
Pros
No annual fee
Intro APR period on Purchases and Balance Transfers
Cons
Needs excellent credit
Verdict - Heartland Bank offers some of the lowest APRs available for a business credit card. However, if rewards are your priority, you're better off with the Chase Ink Cash Business, or Costco Business card instead.
Heartland Bank's business rewards card offers 2% back on gas, restaurants, and telephone bills. This is great, but not as good as Chase Ink Cash Business with 3% on gas, restaurants, home improvement stores, and office supplies. And it's also not as good as Costco's Business card with 4% on gas, 3% on restaurants, 2% on travel, and 1% elsewhere. However, the APRs are quite low compared to other business cards.
Not everyone can qualify for the Navy Federal Credit Union, because you must be affiliated with the Department of Defense, either as a military personnel or a civilian contractor. However, if you do, the Navy Federal Business Rewards Visa offers the lowest APR out there, and also offer 2% rewards after the first $4,000 in spending each year (1% before that).
