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  Landmark Credit Union Cash Back Visa

Landmark Credit Union Cash Back Visa

in Personal Credit Cards from Landmark Credit Union

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Landmark Credit Union Cash Back Visa

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in Personal Credit Cards from Landmark Credit Union

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Highlights
Purchase APR  (Variable APR) 12.24% - 18.24%
Balance Transfer APR  (Variable APR) 12.24% - 18.24%
Credit Score Range 650 - 850
Annual Fee $0

Landmark Credit Union Cash Back Visa Review

This is a cashback credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Signup bonus. Offers a signup bonus of $50 if you spend $1000 within 3 months.
  • Competitive APRs. Landmark Credit Union Cash Back Visa has a variable purchase APR that ranges from 12.24% up to 18.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your 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
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Travel assistance insurance
  • Landmark Credit Union Cash Back Visa reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
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?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.24% up to 18.24%. The card has a variable balance transfer APR that ranges from 12.24% up to 18.24%. It also has a variable cash advance APR that ranges from 15.24% up to 21.24%. 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.

Does Landmark Credit Union Cash Back Visa have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Landmark Credit Union Cash Back Visa Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 12.24% - 18.24%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Landmark Credit Union Cash Back Visa have an intro APR offer on new purchases?

Landmark Credit Union Cash Back Visa Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

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

The following fees apply:

  • There is no overlimit fee
Landmark Credit Union Cash Back Visa Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $30
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 Landmark Credit Union Cash Back Visa have a foreign transaction fee?

Landmark Credit Union Cash Back 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 customer service phone number for Landmark Credit Union Cash Back Visa?

The Landmark Credit Union Cash Back Visa customer service number is (262) 796-4500.

What is the support contact email for Landmark Credit Union Cash Back Visa?

The support contact email for Landmark Credit Union Cash Back Visa is info@landmarkcu.com.

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.

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 - 3:00am
  • Tuesday 6:00am - 3:00am
  • Wednesday 6:00am - 3:00am
  • Thursday 6:00am - 5:00am
  • Friday 6:00am - 5:00am
  • Saturday 6:00am - 10:00am

Other Services by Landmark Credit Union

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View all personal credit cards offered by Landmark Credit Union

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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 27 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $1
Returned Payment Fee Up to $30
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
  • Emergency Support
  • Travel Assistance
Rewards Categories
  • Starting at 1.5% Cash Back on Every Purchase
Signup Bonus $50
Cash Advance APR (Variable APR) 15.24% - 21.24%
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 12.24% - 18.24%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 12.24% - 18.24%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Cashback
Card Network Visa

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