Last Updated: 07/28/2025
Hills Bank Visa Platinum Rewards Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.75% - 17.75%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.75% - 17.75%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
Up to $15
Hills Bank Visa Platinum Rewards Credit Card Review
This is a rewards card issued by Hills Bank and Trust Company. If you're wondering whether Hills Bank Visa Platinum Rewards Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Hills Bank Visa Platinum Rewards Credit Card has a variable regular purchase APR that ranges from 14.75% up to 17.75%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Hills Bank Visa Platinum Rewards Credit Card
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Hills Bank Visa Platinum Rewards Credit Card FAQ
Does Hills Bank Visa Platinum Rewards Credit Card have a cash back or rewards program?
Hills Bank Visa Platinum Rewards Credit Card is a rewards card.
| Description |
Does Hills Bank Visa Platinum Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Hills Bank Visa Platinum Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Hills Bank Visa Platinum Rewards Credit Card benefits?
Hills Bank Visa Platinum Rewards Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Hills Bank Visa Platinum Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Hills Bank Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 14.75% up to 17.75%. The card has a variable balance transfer APR that ranges from 14.75% up to 17.75%. The card has a variable cash advance APR of up to 18.75%.
Does Hills Bank Visa Platinum Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Hills Bank Visa Platinum Rewards Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Hills Bank Visa Platinum Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 - $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $15.
Does Hills Bank Visa Platinum Rewards Credit Card have a foreign transaction fee?
Hills Bank Visa Platinum Rewards Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Hills Bank Visa Platinum Rewards Credit Card?
The customer service number for Hills Bank Visa Platinum Rewards Credit Card is (800) 445-5725.
What is the support contact email for Hills Bank Visa Platinum Rewards Credit Card?
The support contact email for Hills Bank Visa Platinum Rewards Credit Card is %20hillsbank@hillsbank.com.
What is the login page for Hills Bank Visa Platinum Rewards Credit Card?
You can access the login page of Hills Bank Visa Platinum Rewards Credit Card here.
How do people rate the customer service and user experience of Hills Bank Visa Platinum Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Hills Bank Visa Platinum Rewards Credit Card report your account activity to credit bureaus?
Yes, Hills Bank Visa Platinum Rewards Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Hills Bank and Trust Company perform a hard credit pull?
Yes, Hills Bank Visa Platinum Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Hills Bank Visa Platinum Rewards Credit Card
- Visit the website of Hills Bank Visa Platinum Rewards Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed