Last Updated: 07/28/2025
LBS Financial Credit Union Visa Gold
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 10.15%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 10.15%(Verified 06/21/2024)
Disclaimer popup with additional information
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 up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of LBS Financial Credit Union Visa Gold
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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.
| Description |
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?
LBS Financial Credit Union Visa Gold 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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 up to 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 customer service number for LBS Financial Credit Union Visa Gold 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 login page for LBS Financial Credit Union Visa Gold?
You can access the login page of LBS Financial Credit Union Visa Gold 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 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 LBS Financial Credit Union perform a hard credit pull?
Yes, LBS Financial Credit Union Visa Gold 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 LBS Financial Credit Union Visa Gold
- Visit the website of LBS Financial Credit Union Visa Gold.
- 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
East Long Beach Branch Office 4341 East 10th St, Long Beach, CA 90804, US
Long Beach, CA 90804
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