Langley Federal Credit Union Signature Cash Back Visa

Langley Federal Credit Union Signature Cash Back Visa Review

This is a cashback 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

• Competitive APRs. Langley Federal Credit Union Signature Cash Back Visa has a variable 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.
• 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 better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Langley Federal Credit Union Signature Cash Back Visa

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Travel accident insurance. Trip cancellation insurance. No foreign transaction fee. Langley Federal Credit Union Signature Cash Back Visa reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. Charges a 3% balance transfer fee. Does not include many credit card benefits.

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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the Langley Federal Credit Union Signature Cash Back Visa benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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.

What are the fees for Langley Federal Credit Union Signature Cash Back Visa?

The following fees apply:

Langley Federal Credit Union Signature Cash Back Visa Fees

Fees	Amount
Annual Fee	N/A
Foreign Transaction Fee	0%
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 cashback card.

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 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 Langley Federal Credit Union Signature Cash Back Visa

• Visit the Langley Federal Credit Union Signature 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.