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Verdict: There are few downsides to the Langley Platinum Visa card. The card has no annual fee, no fees for balance transfers and cash advances and a low, fixed rate. This alone makes the card ideal for those who wish to transfer a balance to save on interest, those who carry a balance each month and those who simply want a no-cost card to carry for emergencies. This credit card also earns rewards points on every purchase which may be redeemed online through CURewards, making this card a good fit for consumers who spend frequently and wish to earn gift cards, travel and merchandise for their spending.
Overview: Langley Federal Credit Union, located in Virginia, offers many financial services to members, including low-cost loans and mortgages and credit cards. Among the cards offered is the Platinum Visa card, which features a low fixed rate, rewards and no annual fee. Overall, this credit card is a good fit for most consumers who either carry a balance from month to month or spend frequently and wish to earn rewards.
How These Cards Work: The Langley Platinum Visa card is accepted worldwide and has a credit limit up to $40,000 for applicants with excellent credit. The card has a 25-day grace period on purchases only, so cardholders may avoid all interest charges by paying their balance in full each month before the due date. To apply for the card, applicants must be a member of Langley Federal Credit Union, which extends membership to many employees of certain organizations in Virginia. The Langley Platinum Visa also earns rewards points on every purchase that may be redeemed through CURewards. One point is earned for every $1 in net spending.
Travel & Shopping Benefits: This credit card includes a range of Platinum benefits, such as $1,000,000 in travel accident insurance that covers the cardholder, spouse and dependents when tickets are purchased with the card. Auto rental collision damage waiver is automatic with vehicle rentals to protect against theft and damage while the travel and emergency assistance provides card replacement and cash disbursement. This credit card also includes a warranty manager service to keep track of purchase warranties and even extend manufacturer’s warranties.
Fees: The Langley Platinum Visa has no annual fee. The APR for this card is 10.0% for cash advances and purchases. There is no penalty APR and no fees for balance transfers or cash advances. Payments made more than 15 days late are subject to a late charge of $20, or the minimum payment, whichever is less. A returned payment fee of $25 may be charged. An unreturned card fee of $25 may be charged if the cardholder fails to turn over the credit card upon request after delinquency or other reasons. A reissue fee of $5 will apply the first time although the second occurrence within a year will cost $25.
- No annual fee
- No penalty APR
- Low interest rate
- No fees for balance transfers and cash advances
- Rewards points on every purchase
- Must be a member of Langley Federal Credit Union