Visa®Platinum Plus with CURewards Credit Card


Main Card Features

  • $35,000 credit limit
  • Fixed Rates from 9.65% APR*
  • Earn one CURewards point for each dollar charged with the card (excludes cash advances). The points can be redeemed for merchandise, travel, Gift Cards, or for LAFCU closed-end consumer loan** rate discounts. Visit www.CURewards.com or call (800) 900-6160 for travel and merchandise redemption information. Points will accrue over five calendar years, and will expire on a first-in first-out basis annually.
  • Earn addtional CURewards points when shopping in-store or online at selected merchants in
    the CURewards Mall program.
  • Rates on "closed-end" consumer loans (boats, cars, motorcycles, personal computers, RVs, "Personaline" lines of credit, and signature loans) can be reduced by cashing out earned CURewards points, as follows:
    • For loans up to $10,000: lower the rate one-quarter percent (0.25%) if you cash-out 2,500 points, or lower it half percent (0.50%) for 5,000 points.
    • For loans over $10,000: lower the rate one-quarter percent (0.25%) if you cash out 5,000 points, or lower it half percent (0.50%) for 10,000 points.
  • Free annual statement summary with 12 transactions or more
  • Free Warranty Manager Service
  • Free Travel/Emergency Assistance
  • Click to apply 24/7 for a card
  • Click to order a custom "Design Your Own Card" image on your current LAFCU card (you can order an image after you have a card for at least 30 days)

Other Card Features

  • 2.9% APR reduced introductory rate for the first six months
  • Monthly payments as low as 3% of your unpaid balance
  • No annual fees or transaction fees
  • A true 25-day grace period before finance charges apply on new purchases (if the previous Visa statement balance was paid in full)
  • Cash advances from any financial institution displaying the Visa logo for a modest fee
  • EZ Pay automatic payment service from any LAFCU (or non-LAFCU) savings or checking account
  • 24/7 balance inquires through e-Link Visa or by calling (800) 654-7728 (English), (800) 334-7728 (Spanish), (800) 221-7728 (TDD/Hearing impaired), from outside the US call collect (410) 581-9994
  • For a list of countries with restricted Visa card use, call (800) 847-2911
  • Free Visa e-Statement instead of paper
  • Free vehicle rental insurance and travel accident & baggage delay insurance
  • "Life, Disability & Unemployment" Group Credit Card insurance: Available for purchase by cardholders under age 66 and pays benefit in the event of death, disability or involuntary unemployment. Details provided when you receive a card.
  • "Verified by Visa" secures your card transactions when shopping online. Click to read more & click to register for this FREE service.
  • To activate a new card call (800) 527-7728, and to report a card lost or stolen, call (800) 654-7728
  • Click to read card disclosure

* APR = Annual Percentage Rate. APR will increase to 17.90% on your entire Account balance and continue for 6 consecutive months if payment is delinquent for 2 or more consecutive cycles. Initial APR is based on credit/underwriting criteria.

** "Closed-End Consumer Loans" include boats, cars, motorcycles, personal computers, RVs, trucks, and Signature loans.