Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
18.49% - 20.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
18.49% - 20.49%(Verified 06/21/2024)
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Credit Score Range
680 - 850
Annual Fee
$0
LAFCU VISA Signature Review
This is a card issued by LAFCU. If you're wondering whether LAFCU VISA Signature is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.49% up to 20.49%.
- 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 VISA Signature
| The Good | The Bad |
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LAFCU VISA Signature FAQ
Does LAFCU VISA Signature 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 VISA Signature?
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 VISA Signature has a variable purchase APR that ranges from 18.49% up to 20.49%. The card has a variable balance transfer APR that ranges from 18.49% up to 20.49%. It also has a variable cash advance APR that ranges from 18.49% up to 20.49%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does LAFCU VISA Signature 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 | 18.49% - 20.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 VISA Signature have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 16.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 16.24% on qualified purchases
What are the fees for LAFCU VISA Signature?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program 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 VISA Signature have a foreign transaction fee?
LAFCU VISA Signature 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 VISA Signature?
The customer service number for LAFCU VISA Signature is (517) 622-6600.
What is the support contact email for LAFCU VISA Signature?
The support contact email for LAFCU VISA Signature is lafcuoffer@lafcu.com.
What is the login page for LAFCU VISA Signature?
You can access the login page of LAFCU VISA Signature here.
How do people rate the customer service and user experience of LAFCU VISA Signature?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does LAFCU VISA Signature report your account activity to credit bureaus?
Yes, LAFCU VISA Signature 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 VISA Signature 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 VISA Signature
- Visit the website of LAFCU VISA Signature.
- 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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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