Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.65% - 21.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.65% - 21.24%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
LAFCU Rewards VISA Review
This is a cashback credit card issued by LAFCU. If you're wondering whether LAFCU Rewards VISA is the right card for you, read on.
Key Takeaways
- APRs: LAFCU Rewards VISA has a variable regular purchase APR that ranges from 12.65% up to 21.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- 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 LAFCU Rewards VISA
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LAFCU Rewards VISA FAQ
Does LAFCU Rewards VISA have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does LAFCU Rewards VISA have a signup bonus?
This card doesn't offer a cash signup bonus.Does LAFCU Rewards VISA offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the LAFCU Rewards VISA benefits?
LAFCU Rewards VISA provides the following benefits:
- Auto Rental Collision Damage Waiver
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for LAFCU Rewards VISA?
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.LAFCU Rewards VISA has a variable purchase APR that ranges from 12.65% up to 21.24%. The card has a variable balance transfer APR that ranges from 12.65% up to 21.24%. It also has a variable cash advance APR that ranges from 12.65% up to 21.24%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does LAFCU Rewards VISA have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of 12 months.
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| Balance Transfer APR | 12.65% - 21.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does LAFCU Rewards VISA 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 LAFCU Rewards VISA?
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| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does LAFCU Rewards VISA have a foreign transaction fee?
LAFCU Rewards VISA 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 LAFCU Rewards VISA?
The customer service number for LAFCU Rewards VISA is (517) 622-6600.
What is the support contact email for LAFCU Rewards VISA?
The support contact email for LAFCU Rewards VISA is lafcuoffer@lafcu.com.
What is the login page for LAFCU Rewards VISA?
You can access the login page of LAFCU Rewards VISA here.
How do people rate the customer service and user experience of LAFCU Rewards VISA?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does LAFCU Rewards VISA report your account activity to credit bureaus?
Yes, LAFCU Rewards VISA 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 LAFCU perform a hard credit pull?
Yes, LAFCU Rewards VISA 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 LAFCU Rewards VISA
- Visit the website of LAFCU Rewards VISA.
- 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.
Hours of Operation
Sunday
12:00AM - 12:00AM
Monday
6:00AM - 2:00AM
Tuesday
6:00AM - 2:00AM
Wednesday
6:00AM - 2:00AM
Thursday
6:00AM - 2:00AM
Friday
6:00AM - 2:00AM
Saturday
6:00AM - 9:00AM