Landmark Credit Union Cash Back Visa

Landmark Credit Union Cash Back Visa Review

This is a cashback card issued by Landmark Credit Union. If you're wondering whether Landmark Credit Union Cash Back Visa is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Signup bonus. Offers a signup bonus of up to $50 if you spend $1000 within 3 months.
• Competitive APRs. Landmark Credit Union Cash Back Visa has a variable purchase APR that ranges from 16.74% up to 22.74%.
• 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. 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Landmark Credit Union Cash Back Visa

Landmark Credit Union Cash Back Visa FAQ

Does Landmark Credit Union Cash Back Visa have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

What are the Landmark Credit Union Cash Back Visa benefits?

It provides the following benefits:

• Emergency Support
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Landmark Credit Union Cash Back Visa?

Landmark Credit Union Cash Back Visa has a variable purchase APR that ranges from 16.74% up to 22.74%. The card has a variable balance transfer APR that ranges from 16.74% up to 22.74%. It also has a variable cash advance APR that ranges from 19.74% up to 25.74%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Landmark Credit Union Cash Back Visa?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Landmark Credit Union Cash Back Visa report your account activity to credit bureaus?

Yes, Landmark Credit Union Cash Back 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 Landmark Credit Union Cash Back Visa

• Visit the Landmark Credit Union Cash Back 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.