Last Updated: 07/28/2025
L&N Federal Visa® Platinum Cash Back Rewards Card
Unaffiliated
in Credit Cards from L&N Federal Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.00% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.00% - 18.00%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
L&N Federal Visa® Platinum Cash Back Rewards Card Review
This is a cashback credit card issued by L&N Federal Credit Union. If you're wondering whether L&N Federal Visa® Platinum Cash Back Rewards Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: L&N Federal Visa® Platinum Cash Back Rewards Card has a variable regular purchase APR that ranges from 16.00% up to 18.00%.
- 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.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
Pros & Cons of ln federal visa rewards card
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ln federal visa rewards card FAQ
Does ln federal visa rewards card 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does ln federal visa rewards card have a signup bonus?
This card doesn't offer a cash signup bonus.Does ln federal visa rewards card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the ln federal visa rewards card benefits?
L&N Federal Visa® Platinum Cash Back Rewards Card provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for ln federal visa rewards card?
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.L&N Federal Visa® Platinum Cash Back Rewards Card has a variable purchase APR that ranges from 16.00% up to 18.00%. The card has a variable balance transfer APR that ranges from 16.00% up to 18.00%. It also has a variable cash advance APR that ranges from 16.00% up to 18.00%.
Does ln federal visa rewards card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.00% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does ln federal visa rewards card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for ln federal visa rewards card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does ln federal visa rewards card have a foreign transaction fee?
ln federal visa rewards card 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 ln federal visa rewards card?
The customer service number for ln federal visa rewards card is (800) 292-2905.
What is the support contact email for ln federal visa rewards card?
The support contact email for ln federal visa rewards card is mobile.support@lnfcu.com.
What is the login page for ln federal visa rewards card?
You can access the login page of ln federal visa rewards card here.
How do people rate the customer service and user experience of ln federal visa rewards card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does L&N Federal Visa® Platinum Cash Back Rewards Card report your account activity to credit bureaus?
Yes, L&N Federal Visa® Platinum Cash Back Rewards Card 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 L&N Federal Credit Union perform a hard credit pull?
Yes, ln federal visa rewards card 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 ln federal visa rewards card
- Visit the website of ln federal visa rewards card.
- 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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8:30AM - 5:00PM
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