Los Angeles Federal Credit Union Platinum Visa Credit Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Intro purchase APR
- 4.90% for 6 months on purchases made during the first 90 days from account opening
At a glance
The Los Angeles Federal Credit Union Platinum Visa® Credit Card from Los Angeles Federal Credit Union (LAFCU) is a no-frills, pared-down credit card that features the lowest APR this card issuer offers. Cardholders will save money thanks to a special introductory APR for six months, no annual fee, and an extremely competitive, low interest rate after the introductory period, making this card a good fit for anyone who is in search of a simple, easy-to-use credit card for balance transfers and large purchases
Our review of the Los Angeles Federal Credit Union Platinum Visa Credit Card
If you’re a resident of Southern California looking for a straightforward credit card with no hidden fees, the Platinum Visa® Credit Card from Los Angeles Federal Credit Union (LAFCU) is a solid choice. While this card doesn’t offer any rewards program, it does boast the lowest interest rate among all LAFCU card options.
Key Features of the LAFCU Platinum Visa® Credit Card
- Low Introductory Interest Rate: Enjoy a competitive APR with a special introductory rate of 2.9% for the first six months on purchases and balance transfers made within the first 90 days.
- LAFCU Card Perks: Access mobile wallet compatibility, online and mobile banking services, credit alerts, and the option to design your own card.
- Visa® Cardholder Benefits: Benefit from features like lost or stolen card reporting, emergency card replacement, emergency cash disbursement, zero liability for unauthorized transactions, and online purchase protection.
Is the LAFCU Platinum Visa® Credit Card Right for You?
If you’re in the market for a no-frills credit card with a low interest rate and straightforward perks, the Platinum Visa® Credit Card from LAFCU could be a good fit. However, it’s important to compare it with other options on the market to ensure it aligns with your specific needs and preferences.
Explore other LAFCU card offers and find the best credit card for your financial goals.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Introductory APR of 2.9% for first 6 months of account approval, on purchases and balance transfers for transactions made within the first 90 days of opening account
- Low interest rates for a personal credit card
- EMV Chip protection, mobile wallet compatibility
Who this card may suit
- You would like to forgo annual fees
- You want a card with a low interest rate for purchases and balance transfers
- You will take advantage of a special introductory APR rate for six months by making a purchase or balance transfer within 90 days of opening their card account
- You live in the Southern California area
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 4.90% for 6 months on purchases made during the first 90 days from account opening |
| Regular Purchase APR | 11.99% to 18.00% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 4.90% for 6 months on transfers made during the first 90 days from account opening |
| Balance Transfer APR | 11.99% to 18.00% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount transferred ($10 minimum and $250 maximum) |
| Cash Advance APR | 11.99% to 18.00% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 2% of the amount advanced plus $2.50, whichever is greater (for advances at ATMs owned by Los Angeles Federal Credit Union)Either $10 or 2% of the amount advanced, whichever is greater (for advances at ATMs not owned by Los Angeles Federal Credit Union) |
| Foreign Transaction Fee | 1% of each foreign currency transaction in U.S. dollars. 1% of each U.S. Dollar transaction that occurs in a foreign country. |
| Penalty APR | 17.9% |
| Late Payment Penalty Fee | Up to $20 |
| Return Payment Penalty Fee | Up to $26 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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Los Angeles Federal Credit Union Platinum Visa Credit Card
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