Los Angeles Police FCU Rewards Visa

Los Angeles Police FCU Rewards Visa Review

This is a rewards card issued by Los Angeles Police Federal Credit Union. If you're wondering whether Los Angeles Police FCU Rewards Visa 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. Los Angeles Police FCU Rewards Visa has a variable purchase APR that ranges from 8.4% up to 17.9%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Los Angeles Police FCU Rewards Visa

The Good

The Bad

Potentially lower than average purchase APRs. 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 8.4% up to 17.9%. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Travel accident and travel assistance insurance. Considers applicants with fair credit. Cardholders can earn rewards on their purchases. Los Angeles Police FCU Rewards Visa reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Los Angeles Police FCU Rewards Visa FAQ

Does Los Angeles Police FCU Rewards Visa have a cash back or rewards program?

Los Angeles Police FCU Rewards Visa is a rewards card. This card features rewards for purchases in the following categories:

• Airfare

Los Angeles Police FCU Rewards Visa Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Los Angeles Police FCU Rewards Visa benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Los Angeles Police FCU Rewards Visa?

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.

Los Angeles Police FCU Rewards Visa has a variable purchase APR that ranges from 8.4% up to 17.9%. The card has a variable balance transfer APR that ranges from 8.4% up to 17.9%. It also has a variable cash advance APR that ranges from 8.4% up to 17.9%. Note that late payments are subject to an APR of 17.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Los Angeles Police FCU Rewards Visa?

The following fees apply:

Los Angeles Police FCU Rewards Visa Fees

Description
Cash Advance Fee Minimum	$2
Cash Advance Fee (%)	Starting at 2%
Minimum Cash Advance Fee ($)	$2 - $25
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 $25
Late Fee Amount	Up to $15

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

Does Los Angeles Police FCU Rewards Visa report your account activity to credit bureaus?

Yes, Los Angeles Police FCU Rewards Visa 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 Los Angeles Police FCU Rewards Visa

• Visit the Los Angeles Police FCU Rewards Visa 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.