Shop LA City Visa®Platinum Plus Credit Card with Triple CURewards


Main Card Features

  • $50,000 credit limit
  • Rates as low as 9.9% variable APR*
  • Earn THREE CURewards points for each dollar charged with the card (excludes cash advances) in the city of Los Angeles, California and in areas considered inside Los Angeles**. Earn one point for purchases outside of Los Angeles, California. The points can be redeemed for merchandise, travel, or 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.
  • Earn addtional CURewards points when shopping in-store or online at selected merchants in
    the CURewards Mall program.
  • 0% APR introductory rate for the first 6 months (or 7.9% APR if you had a LAFCU Visa card before)
  • Free annual statement summary with 12 transactions or more
  • Free Warranty Manager Service
  • Free Travel/Emergency Assistance
  • Certain loan*** rates 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
  • Click to apply 24/7 for a card

Other Card Features

  • Monthly payments as low as 3% of your unpaid balance
  • No transaction fees
  • No annual fee
  • 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 (866) 820-2911 (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 (866) 820-2911
  • 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. The card will have a variable Annual Percentage Rate (APR), based on the "Prime" rate plus a margin from 6.60% to 14.75% (the margin is based on factors such as the applicant´s credit history. The maximum total rate is 18% APR. The rate could change at any time, and without prior notice to the cardholder. The Cash Advance rate is 18% APR for all cardholders. The Prime rate of 3.25% has not changed since 12/16/08, but could change at any time.

** Areas considered inside Los Angeles, California include: Arleta, Arlington Heights, Atwater Village, Baldwin Hills, Bel Air, Beverly Glen, Beverly Crest, Beverlywood, Boyle Heights, Brentwood, Cahuega Pass, Canoga Park, Century City, Chatsworth, Cheviot Hills, Chinatown, Crenshaw, Crestview, Cypress Park, Del Rey, Downtown Los Angeles, Eagle Rock, East Hollywood, East Los Angeles, Echo Park, El Sereno, Elysian Park, Elysian Valley, Encino, Fairfax, Glassell Park, Granada Hills, Greater Mid-Wilshire, Griffith Park, Hancock Park, Harbor City, Harbor Gateway, Harvard Heights, Highland Park, Hollywood, Hyde Park, Jefferson Park, Koreatown, Los Angeles International Airport, La Tuna Canyon, Ladera Heights, Lake Balboa, Lakeview Terrace, Leimert Park, Lincoln Heights, Los Angeles, Los Feliz, Mar Vista, Mid-City, Mission Hills, Montecito Heights, Mt. Washington, North Hills, North Hollywood, Northridge, Pacific Palisades, Pacoima, Palms, Panorama City, Pico Union, Playa del Rey, Playa Vista, Porter Ranch,Rancho Park, Reseda, San Pedro, Sawtelle, Shadow Hills, Sherman Oaks, Silver Lake, South Carthay, South Central Los Angeles, South Robertson, Southeast Los Angeles, Studio City, Sun Valley, Sunland, Sylmar, Tarzana, Terminal Island, Toluca Lake, Tujunga, USC, Valley Glen, Valley Village, Van Nuys, Venice, Watts, West Adams, West Hills, West Los Angeles, Westchester, Westlake, Westwood, Wilmington, Wilshire Center, Winnetka, and Woodland Hills.

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

 

FAQs: ShopLA City Visa Card

SPONSORING: Who is co-sponsoring this card?
The "ShopLA City" program from the city of Los Angeles.

WHY SHOP IN LOS ANGELES?
By using your LAFCU ShopLA City Visa credit card when shopping at merchants in the city of Los Angeles, the city gets much needed local sales tax revenue. For every $10 in sales tax paid in the city, the city earns $1 to help support services like police, fire, libraries and parks. Local, state and federal budget cuts have not had a positive impact on the city ... so Los Angeles needs all the financial help it can get!

APR: What is the Annual Percentage Rate (APR) for this card?
Rates are as low as 9.90%. The rate is based on the "Prime" rate plus a margin from 6.60% to 14.75% and the margin is based on factors such as your credit history and current debt obligations. The rate is variable and could change at any time without prior notice to you. The Cash Advance rate is 18% APR for all cardholders. The Prime rate of 3.25% has not changed since 12/16/08, but could change at any time.

INTRO RATE: What is the card´s reduced introductory rate for the first six months of card ownership?
0% (if you never had a LAFCU Visa credit card before) or 7.9% (if you had a LAFCU Visa credit card before)

CREDIT LIMIT: What is the card´s credit limit?
From $1,000 to $50,000, based on your credit history.

ANNUAL FEE: Does the card have an annual fee?
There is no fee for the first year, then it´s $25 annually if your card´s purchases were under $2,400 for the prior year. There is no fee after year #1 if each prior-year card purchases exceed $2,400.

WHO: Who can apply for the card?
Anyone living in Southern California can apply and can join Los Angeles Federal Credit Union through the Los Angeles Charitable Association.

HOW: How can I apply for the card?
Click here 24/7 or call LAFCU during business hours at (877) MY LAFCU (695-2328).

TRIPLE REWARDS: In what Los Angeles, California and San Fernando Valley areas will the card earn triple CURewards for each transaction (excluding cash advance)
Arleta, Arlington Heights, Atwater Village, Baldwin Hills, Bel Air, Beverly Glen, Beverly Crest, Beverlywood, Boyle Heights, Brentwood, Cahuega Pass, Canoga Park, Century City, Chatsworth, Cheviot Hills, Chinatown, Crenshaw, Crestview, Cypress Park, Del Rey, Downtown Los Angeles, Eagle Rock, East Hollywood, East Los Angeles, Echo Park, El Sereno, Elysian Park, Elysian Valley, Encino, Fairfax, Glassell Park, Granada Hills, Greater Mid-Wilshire, Griffith Park, Hancock Park, Harbor City, Harbor Gateway, Harvard Heights, Highland Park, Hollywood, Hyde Park, Jefferson Park, Koreatown, Los Angeles International Airport, La Tuna Canyon, Ladera Heights, Lake Balboa, Lakeview Terrace, Leimert Park, Lincoln Heights, Los Angeles, Los Feliz, Mar Vista, Mid-City, Mission Hills, Montecito Heights, Mt. Washington, North Hills, North Hollywood, Northridge, Pacific Palisades, Pacoima, Palms, Panorama City, Pico Union, Playa del Rey, Playa Vista, Porter Ranch,Rancho Park, Reseda, San Pedro, Sawtelle, Shadow Hills, Sherman Oaks, Silver Lake, South Carthay, South Central Los Angeles, South Robertson, Southeast Los Angeles, Studio City, Sun Valley, Sunland, Sylmar, Tarzana, Terminal Island, Toluca Lake, Tujunga, USC, Valley Glen, Valley Village, Van Nuys, Venice, Watts, West Adams, West Hills, West Los Angeles, Westchester, Westlake, Westwood, Wilmington, Wilshire Center, Winnetka, and Woodland Hills.

SINGLE REWARDS: In what cities will the card earn single CURewards (excluding cash advances)
Any city that is not in the city or area of Los Angeles, CA

CUREWARDS: Where can I find lists of CURewards merchandise and travel redemption information?
On the website www.CURewards.com or by calling (800) 900-6160.

RATE REDUCTION: What LAFCU loan rates (excluding promotional rates) can be reduced by cashing out earned CURewards points?
"Closed-End Consumer Loans" including boats, cars, motorcycles, personal computers, RVs, trucks, "Personaline" lines of credit and Signature loans. The rates can be reduced 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.

TRANSFERRING POINTS: Can I transfer the points I have earned on my LAFCU Visa Platinum Plus with CURewards transfer to my new ShopLACity Visa card?
Yes, all of your non-redeemed points can be transferred.