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  LAFCU Rewards VISA
LAFCU Rewards VISA
in Personal Credit Cards from LAFCU
Unaffiliated

LAFCU Rewards VISA

Unaffiliated
in Personal Credit Cards from LAFCU
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Highlights
Purchase APR  (Variable APR) 10.4% - 18.99%
Balance Transfer APR  (Variable APR) 10.4% - 18.99%
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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. LAFCU Rewards VISA has a variable purchase APR that ranges from 10.4% up to 18.99%.
  • 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 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of LAFCU Rewards VISA
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.99%.
  • No balance transfer fee.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere LAFCU Rewards VISA is accepted.
  • LAFCU Rewards VISA reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
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.

LAFCU Rewards VISA Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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?

Issuer does not publicly disclose rates. Please see the issuer's application page or contact them directly for rate and fee information.

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 up to 12 months.

LAFCU Rewards VISA Balance Transfers
Description
Balance Transfer Introductory APR 2.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.4% - 18.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 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?

The following fees apply:

LAFCU Rewards VISA Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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 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 support contact email for LAFCU Rewards VISA?

The support contact email for LAFCU Rewards VISA is lafcuoffer@lafcu.com.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for LAFCU Rewards VISA

  • Visit the LAFCU Rewards VISA website.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 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

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) Starting at 0%
Minimum Cash Advance Fee ($) Starting at $0
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Does Not Disclose Rates
Cash Advance APR (Variable APR) 10.4% - 18.99%
Balance Computation Average daily balance (including new purchase)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 10.4% - 18.99%
Balance Transfer Introductory APR (Variable APR) 2.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.4% - 18.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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