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  L&N Federal Visa® Platinum Cash Back Rewards Card
L&N Federal Visa® Platinum Cash Back Rewards Card
in Credit Cards from L&N Federal Credit Union
Unaffiliated

L&N Federal Visa® Platinum Cash Back Rewards Card

Unaffiliated
in Credit Cards from L&N Federal Credit Union
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Highlights
Purchase APR  (Variable APR) 16.00% - 18.00%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 16.00% - 18.00%
(Verified 08/04/2023)
Credit Score Range N/A
Annual Fee $0

L&N Federal Visa® Platinum Cash Back Rewards Card Review

This is a cashback card issued by L&N Federal Credit Union. If you're wondering whether ln federal visa rewards card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 6 months.
  • Competitive APRs. L&N Federal Visa® Platinum Cash Back Rewards Card has a variable 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 1% every time you make a transaction outside the U.S.
  • Gas rewards. 5% cashback 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

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 16.00% up to 18.00%.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • L&N Federal Visa® Platinum Cash Back Rewards Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

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.

ln federal visa rewards card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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?

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

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 up to 6 months.

L&N Federal Visa® Platinum Cash Back Rewards Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 16.00% - 18.00%

Does ln federal visa rewards card have an intro APR offer on new purchases?

L&N Federal Visa® Platinum Cash Back Rewards Card Purchase Intro Offer
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 up to 6 months.

What are the fees for ln federal visa rewards card?

The following fees apply:

ln federal visa rewards card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 1%
Returned Payment Fee Starting at $ up to $15
Late Payment Fee Starting at up to $27

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 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 ln federal visa rewards card customer service number 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 ln federal visa rewards card login page?

You can access the ln federal visa rewards card login page 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 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 ln federal visa rewards card

  • Visit the ln federal visa rewards card 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 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 6:00pm
  • Saturday 8:30am - 5:00pm

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $15
Late Fee Amount Up to $27
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 Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • 5% Cash Back on Gas
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 16.00% - 18.00%
APR Type Variable APR
Balance Computation We use a method called "average daily balance (including new purchases)."
Purchase APR (Variable APR) 16.00% - 18.00%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 16.00% - 18.00%
(Verified 08/04/2023)
Card Type
  • Rewards
  • Cashback
  • Gas
Card Network Visa

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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.