SuperMoney
Explore
Compare Rates

Compare All Credit Cards

Filter & compare all your options in one place.

View All Credit Cards
x No thanks, not right now
Advertiser Disclosure
  LBS Financial Credit Union Visa Gold
LBS Financial Credit Union Visa Gold
in Credit Cards from LBS Financial Credit Union
Unaffiliated

LBS Financial Credit Union Visa Gold

Unaffiliated
in Credit Cards from LBS Financial Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card

Mostly recommended

12 reviews
Learn More
Highlights
Purchase APR  (Variable APR) Starting at 10.15%
Balance Transfer APR  (Variable APR) Starting at 10.15%
Credit Score Range 650 - 850
Annual Fee $0

LBS Financial Credit Union Visa Gold Review

This is a cashback credit card issued by LBS Financial Credit Union. If you're wondering whether LBS Financial Credit Union Visa Gold is the right card for you, read on.

Key Takeaways

  • 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.
  • 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 LBS Financial Credit Union Visa Gold

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere LBS Financial Credit Union Visa Gold is accepted.
  • LBS Financial Credit Union Visa Gold reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.

LBS Financial Credit Union Visa Gold FAQ

Does LBS Financial Credit Union Visa Gold have a cash back or 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.

LBS Financial Credit Union Visa Gold Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does LBS Financial Credit Union Visa Gold have a signup bonus?

This card doesn't offer a cash signup bonus.

Does LBS Financial Credit Union Visa Gold offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the LBS Financial Credit Union Visa Gold benefits?

It provides the following benefits:

  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for LBS Financial Credit Union Visa Gold?

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.

LBS Financial Credit Union Visa Gold has a variable purchase APR starting at 10.15% . The card has a variable balance transfer APR starting at 10.15% . It also has a variable cash advance APR starting at 10.15% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does LBS Financial Credit Union Visa Gold have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does LBS Financial Credit Union Visa Gold 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 LBS Financial Credit Union Visa Gold?

The following fees apply:

LBS Financial Credit Union Visa Gold Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $10
Late Payment Fee up to $10

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

Does LBS Financial Credit Union Visa Gold have a foreign transaction fee?

LBS Financial Credit Union Visa Gold 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 LBS Financial Credit Union Visa Gold?

The LBS Financial Credit Union Visa Gold customer service number is (800) 527-3328.

What is the support contact email for LBS Financial Credit Union Visa Gold?

The support contact email for LBS Financial Credit Union Visa Gold is info@lbsfcu.org.

What is the LBS Financial Credit Union Visa Gold login page?

You can access the LBS Financial Credit Union Visa Gold login page here.

How do people rate the customer service and user experience of LBS Financial Credit Union Visa Gold?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does LBS Financial Credit Union Visa Gold report your account activity to credit bureaus?

Yes, LBS Financial Credit Union Visa Gold 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 LBS Financial Credit Union Visa Gold

  • Visit the LBS Financial Credit Union Visa Gold 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 8:00am - 7:00am
  • Tuesday 8:00am - 7:00am
  • Wednesday 8:00am - 7:00am
  • Thursday 8:00am - 7:00am
  • Friday 8:00am - 7:00am
  • Saturday 8:00am - 5:00am

About LBS Financial Credit Union Visa Gold

Icon for Credit Cards
View all credit cards offered by LBS Financial Credit Union
View LBS Financial Credit Union Profile

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

Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $10
Late Fee Amount Up to $10
Customer Type Personal
Minimum Age 18
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
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 10.15%
APR Type Variable APR
Balance Computation Average daily balance (excluding new purchases) (including new balance transfers and cash advances).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) Starting at 10.15%
Balance Transfer APR (Variable APR) Starting at 10.15%
Card Type
  • Rewards
  • Cashback
Card Network Visa

Be the first to rate

 

Would you recommend LBS Financial Credit Union Visa Gold to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Mostly recommended

12 Reviews

Strongly recommended

11 Reviews

Strongly recommended

52 Reviews

View All

LBS Financial Credit Union Credit Cards

Loading...
Browse Credit Cards
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2022 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.