LAFCU VISA Signature
Not enough votes for recommendation
Would you recommend LAFCU VISA Signature to your friends?
| Purchase APR (Variable APR) |
18.49% - 20.49% (Verified 02/10/2023) |
| Balance Transfer APR (Variable APR) |
18.49% - 20.49% (Verified 02/10/2023) |
| 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
- High APRs. This is not a great card for people who carry a balance. It has a variable 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 1% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of LAFCU VISA Signature
| The Good | The Bad |
|---|---|
|
|
LAFCU VISA Signature FAQ
Does LAFCU VISA Signature have a cash back or rewards program?
No, it does not offer a rewards program.
What are the LAFCU VISA Signature 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 VISA Signature?
Issuer does not publicly disclose rates. Please see the issuer's application page or contact them directly for rate and fee information.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 up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 0% |
| Balance Transfer Introductory APR | 2.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 18.49% - 20.49% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 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?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Initial Program 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 card.
Does LAFCU VISA Signature have a foreign transaction fee?
LAFCU VISA Signature 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 customer service phone number for LAFCU VISA Signature?
The LAFCU VISA Signature customer service number 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 LAFCU VISA Signature login page?
You can access the LAFCU VISA Signature login page 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 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 VISA Signature
- Visit the LAFCU VISA Signature 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.
Contact
- Headquarters
-
P.O. Box 26188
Lansing, MI 48909 USA - (517) 622-6600
- Visit Site
- Email Support
Other Services by LAFCU
Other Credit Cards by LAFCU
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 16.24% |
Be the first to rate
Would you recommend LAFCU VISA Signature to your friends?
Other Credit Cards
- Amex National Bank EveryDay® Preferred Credit Card
- Baton Rouge Telco FCU Visa Credit Card
- Cerulean Credit Card
- First State Bank of Newcastle Mastercard Credit Card
- Golden 1 Credit Union Platinum Secured Credit Card
- Gordmans Credit Card
- Luxury Card™ Mastercard® Titanium Card™
- Morgan Auto Group Credit Card
- National Bank of Arizona Visa Credit Card
- OE Federal Credit Union Visa Steel Rewards Credit Card
- Sharonview Visa Max Cash Secured Credit Card
- Zions Bank Clarity Visa® Credit Card
