Last Updated: 07/28/2025
Langley Federal Credit Union Signature Cash Back Visa
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11% - 18%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11% - 18%(Verified 06/21/2024)
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Credit Score Range
680 - 850
Annual Fee
Starting at $0
Langley Federal Credit Union Signature Cash Back Visa Review
This is a cashback credit card issued by Langley Federal Credit Union. If you're wondering whether Langley Federal Credit Union Signature Cash Back Visa is the right card for you, read on.
Key Takeaways
- APRs: Langley Federal Credit Union Signature Cash Back Visa has a variable regular purchase APR that ranges from 11% up to 18%.
- 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.
- A 3% balance transfer fee. Langley Federal Credit Union Signature Cash Back Visa charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Langley Federal Credit Union Signature Cash Back Visa
| The Good | The Bad |
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Langley Federal Credit Union Signature Cash Back Visa FAQ
Does Langley Federal Credit Union Signature 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.
| Description |
- Trip Cancellation Insurance
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Langley Federal Credit Union Signature Cash Back 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.Langley Federal Credit Union Signature Cash Back Visa has a variable purchase APR that ranges from 11% up to 18%. The card has a variable balance transfer APR that ranges from 11% up to 18%. It also has a variable cash advance APR that ranges from 11% up to 18%.
Note that late payments are subject to an APR of 14% 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 Langley Federal Credit Union Signature Cash Back Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Langley Federal Credit Union Signature Cash Back 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 Langley Federal Credit Union Signature Cash Back Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee as low as $0.
Does Langley Federal Credit Union Signature Cash Back Visa have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Langley Federal Credit Union Signature Cash Back Visa?
The customer service number for Langley Federal Credit Union Signature Cash Back Visa is (757) 827-5328.
What is the support contact email for Langley Federal Credit Union Signature Cash Back Visa?
The support contact email for Langley Federal Credit Union Signature Cash Back Visa is memberservices@langleyfcu.org.
What is the login page for Langley Federal Credit Union Signature Cash Back Visa?
You can access the login page of Langley Federal Credit Union Signature Cash Back Visa here.
How do people rate the customer service and user experience of Langley Federal Credit Union Signature Cash Back Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Langley Federal Credit Union Signature Cash Back Visa report your account activity to credit bureaus?
Yes, Langley Federal Credit Union Signature Cash Back 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 Langley Federal Credit Union perform a hard credit pull?
Yes, Langley Federal Credit Union Signature Cash Back 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 Langley Federal Credit Union Signature Cash Back Visa
- Visit the website of Langley Federal Credit Union Signature Cash Back 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.
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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
Headquarters
Hours of Operation
Sunday
Closed
Monday
6:00AM - 2:00AM
Tuesday
6:00AM - 2:00AM
Wednesday
6:00AM - 2:00AM
Thursday
6:00AM - 3:00AM
Friday
6:00AM - 3:00AM
Saturday
6:00AM - 12:00PM