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Heartland Platinum Business Rewards
Heartland+Bank Platinum+Business+Rewards Credit Card

(4.5/5 - 5 Votes)
Net Annual Rewards
$277
of Cash
Reward Rate
1.00%
Annual Fee
$0
Signing Promo
25 Cash Bonus
APR, variable*
Min APR:
9.99%
Max APR:
20.99%
Default:
28.99%
Cash Adv:
23.99%
Intro APR Promotions
Purchase:
0% for 6 mos
Transfer:
0% for 6 mos
Summary
  • Earn 1% on purchases
  • 2% on gas, restaurants, and telecom
Credit Card Review: Heartland Platinum Business Rewards

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).

Compare To Our Most Popular Cards For The Category

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Compare To Capital One® Spark℠ Miles for Business

Why do we think you should consider this card?

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Reward Details & Calculator

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Rewards Type: Cash

Signing Promotion
($25)/2 yrs
$13
Estimated Annual Rewards
$21,600 * 1.22%
$264
Annual Fee, 2 yr avg
$0
Annual Rewards (Rewards less Fees)
$277

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 3.0%
$300
Promo APR, First 6 months
$0
APR, 18 months
$1,658
Total
$1,958

*Average APR for Balance Transfers of 9.0% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 6 months
0.00%
Ongoing EAR, 18 months
10.46%
Total EAR, 24 months
7.75%

APR Rankings

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APR
9.99%
ranks #501 out of 1750 cards.
Average is 11.76%.
Balance Transfer Fee
3%
ranks #888 out of 1640 cards.
Average is 1.75%.
Cash Advance APR
23.99%
ranks #593 out of 1016 cards.
Average is 18.81%.

Rewards Rankings

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Annual Fee
$0
ranks #1 out of 1794 cards.
Average is $9.
Base Reward Rate
1%
ranks #67 out of 935 cards.
Average is 0.99%.
Effective Reward Rate
N/A
Sign-up Bonus
$25
ranks #156 out of 1783 cards.
Average is $28.

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*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process.