in Personal Credit Cards from LBS Financial Credit Union
UnaffiliatedLBS Financial Credit Union Visa Gold
in Personal Credit Cards from LBS Financial Credit Union
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| 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. This review will provide you with with all the details you need to make a good choice.
- 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.
| The Good | The Bad |
|---|---|
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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.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | 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:
| 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 support contact email for LBS Financial Credit Union Visa Gold?
The support contact email for LBS Financial Credit Union Visa Gold is [email protected].
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.
Contact
- Headquarters
-
East Long Beach Branch Office 4341 East 10th St, Long Beach, CA 90804, US
Long Beach, CA 90804 - Visit Site
- Email Support
About LBS Financial Credit Union Visa Gold
Availability
- 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
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $10 |
| Late Fee Amount | Up to $10 |
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