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Overview
Better rates, bigger rewards
Our Credit Cards come packed with every feature you could possibly need and all kinds of financial advantages. We have two options for adults:
Classic VISA comes with a low, non-variable rate.
6-month introductory rate of 0% APR*, followed by a non-variable rate as low as 12.99% APR to 17.90% APR
Platinum VISA features a competitive, variable rate, and generous rewards.
6-month introductory rate of 0% APR*, followed by a variable rate as low as 12.15% to 17.90%
- No annual fees
- No balance transfer fees
- Credit limits up to $100,000
- Compatible with major mobile wallet apps
- Auto rental collision damage waiver
- Travel and emergency assistance services
- Travel accident insurance
- LifeLock
Traveling? Let us know.
Update us if you’re traveling, so we don’t put a hold on your card
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Log in to PATROL Online Banking
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Go to Online Services > Online Request Forms
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Select “Travel Notification Request”
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MyCardInfo
Access via the LAPFCU app or in online banking to view statements, make payments, transfer high interest credit card balances, and more.
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VISA Secure
This free service (formerly Verified by Visa) helps you make online purchases with an extra layer of security.
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Text Alerts
Sign up for text notifications for unauthorized purchases, approaching credit limits, balance reports, payment dates, and more.
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Rates
Credit Card Rates
My First Visa
Interest Rates and Interest Charges Maximum Limit: $1,000 Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances 0.00% introductory APR for six months*. After that, your non-variable APR will be between 12.99% and 17.90%, based on your creditworthiness. Penalty APR and when it applies 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. How to Avoid Paying Interest on Purchases and Balance Transfers Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. EFFECTIVE RATE DATE: October 1, 2022
*APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
My First Visa Fees
Fees Annual Fee None Balance Transfers None Transaction Fees – Cash Advance Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00). Transaction Fees – Foreign Transactions 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars Penalty Fees – Late Payment Up to $15.00 Penalty Fees – Returned Payment Up to $25.00 How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”
The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at (877) 695-2732, or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.
Classic Visa
Interest Rates and Interest Charges Maximum Limit: $100,000 Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances 0.00% introductory APR for six months*. After that, your non-variable APR will be between 12.99% and 17.90%, based on your creditworthiness. Penalty APR and when it applies 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. How to Avoid Paying Interest on Purchases and Balance Transfers Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore. EFFECTIVE RATE DATE: October 1, 2022
*APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
Classic Visa Fees
Fees Annual Fee None Balance Transfers None Transaction Fees – Cash Advance Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00). Transaction Fees – Foreign Transactions 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars Penalty Fees – Late Payment Up to $15.00 Penalty Fees – Returned Payment Up to $25.00 How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”
The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at (877) 695-2732, or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.
Platinum Rewards Visa
Interest Rates and Interest Charges Maximum Limit: $100,000 Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances 0.00% introductory APR for six months*. After that, your variable APR rate will be between 12.15% and 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR and when it applies 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. How to Avoid Paying Interest on Purchases and Balance Transfers Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. EFFECTIVE RATE DATE: January 1, 2023
*APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
Platinum Rewards Visa Fees
Fees Annual Fee None Balance Transfer None Transaction Fees – Cash Advance Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00). Transaction Fees – Foreign Transactions 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars Penalty Fees – Late Payment Up to $15.00 Penalty Fees – Returned Payment Up to $25.00
Platinum Rewards Program
Airline Mileage and Merchandise $1.00 = 1 point. Points have no expiration. How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”
The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at (877) 695-2732, or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.
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FAQs
FAQS
What should I do if my card is lost or stolen?
Please call us immediately at 877-695-2732.
Can I apply if I've never had a credit card before?
Yes. We actually have a “My First VISA” option available for students, youth, and other first-time cardholders. It comes with credit limits up to $1,000.
Please note that if the applicant for this card is under 21, they will need to have a co-signer.
Are your credit cards compatible with Apple Pay, Google Wallet and Samsung Pay?
Yes! All of our cards are compatible with Apple Pay, Google Wallet, and Samsung Pay.
Youth credit cards also available
My First VISA is perfect for students and first-time cardholders. Start building your credit to help boost your credit score for future loan pre-approvals for big ticket items like your first car or home.
Questions? Call us 877-695-2732
Disclosures
Classic Visa® Credit Card Agreement & Federal Truth-In-Lending Disclosure statement.
Platinum Visa® Credit Card Agreement & Federal Truth-In-Lending Disclosure statement.
*APR = Annual Percentage Rate. 0.00% introductory APR will continue for six months. After the introductory APR, the effective rate as of October 1, 2022 for Platinum Rewards Visa is a variable rate of 10.65% to 17.90% APR based on your creditworthiness; for Visa Classic and My First Visa is a non-variable rate of 12.99% APR to 17.90% APR based on your creditworthiness. APR subject to change. The Platinum Visa APR will vary with the market based on the Prime Rate plus a margin. Cash advance transactions are subject to a cash advance fee which shall be the greater of $2.00 or 2% of the amount of the advance which is posted to the account during the billing cycle, but not to exceed $25.00 per cash advance. Cash advances do not have a grace period, finance charges will be assessed starting the day the charge is posted to your account. There is a 1% fee for foreign transactions in non-U.S. currency and a 0.8% fee for foreign transactions in U.S. dollars.
| STATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR)
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). For further important information required under the Military Lending Act pertaining to your payment obligations, please call (877) 695-2732, option 9. |
