Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
8.49% - 17.23%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
8.49% - 17.23%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
680 - 800
Annual Fee
$0
LAFCU Simple VISA Review
This is a card issued by LAFCU. If you're wondering whether LAFCU Simple VISA is the right card for you, read on.
Key Takeaways
- APRs: LAFCU Simple VISA has a variable regular purchase APR that ranges from 8.49% up to 17.23%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , 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. After the introductory period, the fee is 0%.
- 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.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of LAFCU Simple VISA
| The Good | The Bad |
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LAFCU Simple VISA FAQ
Does LAFCU Simple VISA have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for LAFCU Simple 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 Simple VISA has a variable purchase APR that ranges from 8.49% up to 17.23%. The card has a variable balance transfer APR that ranges from 8.49% up to 17.23%. It also has a variable cash advance APR that ranges from 8.49% up to 17.23%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does LAFCU Simple 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 8.49% - 17.23% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does LAFCU Simple 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 Simple VISA?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 card.
Does LAFCU Simple VISA have a foreign transaction fee?
LAFCU Simple 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 Simple VISA?
The customer service number for LAFCU Simple VISA is (517) 622-6600.
What is the support contact email for LAFCU Simple VISA?
The support contact email for LAFCU Simple VISA is lafcuoffer@lafcu.com.
How do people rate the customer service and user experience of LAFCU Simple VISA?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does LAFCU Simple VISA report your account activity to credit bureaus?
Yes, LAFCU Simple 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 Simple 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 Simple VISA
- Visit the website of LAFCU Simple 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.
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.
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
Other Services by LAFCU
Business Credit Cards
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Other Credit Cards from LAFCU
Rating not yet determined
Purchase APR
12.65% - 21.24%
Disclaimer popup with additional information
Balance Transfer APR
12.65% - 21.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.49% - 20.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 20.49%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
LAFCU Simple VISA Community Reviews
Would you recommend LAFCU Simple VISA to your friends?
JP
Jodi P.
Sep 29, 2023
May or may not recommend
I absolutely would never ever prefer anybody to go to this bank credit union that I had been a member for 11 years and now I'm being told to leave because I'm a nice person because they have stupid workers in there that are rude and get away with murder. Unfriendly customer service
Showing 1 of 1 reviews
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