Los Angeles Firemen’s Credit Union Classic Visa Credit Card

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Los Angeles Firemen's Credit Union Classic Visa Credit CardIf you’re looking for a classic credit card that bucks the tradition of being a high-interest credit card with very little value in terms of benefits, then you’re going to want to consider the Los Angeles Firemen’s Credit Union Classic Visa credit card. Only members of the LA FCU can apply for this credit card, and only firemen and their families are able to become members.

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Many classic credit cards are duds in terms of what they have to offer. For some reason, banks think that since they add the word “classic,” they don’t need to offer anything special to get people interested.¬†As there are great cards out there with the classic name, you really need to compare options before you select your classic credit card.

LA Firemen’s Credit Union Classic Visa Credit Card Details

This classic credit card is for people who have a good credit score.

If you have bad credit or bumpy credit with recent issues, then you’ll be unable to qualify for this credit card.

Unfortunately, the LA FCU doesn’t have any credit cards for people with bad credit. In fact, it doesn’t even offer a secured credit card.

This classic credit card is also unusual because it’s a rewards credit card. The rewards program for this credit card isn’t exciting, but since many classic cards don’t offer any rewards at all, the LA FCU Classic Visa credit card is still ahead of the game.

In this case, you get .5% cash back for every purchase you make, but this doesn’t count with balance transfers. You can redeem your credit card cash back annually, on the anniversary of the date that you have received your credit card.

LA Firemen’s Credit Union Classic Visa Credit Card Terms

As you could expect, the terms for this credit card comply with the Federal Reserve Credit Card Rules.

The interest rate for this credit card is 11.99%. There are no transaction fees other than the credit card foreign transaction fee of 1%. Late payments will only cost you $15, while returned payments will cost you $22. There is no penalty APR for this credit card. There is also a grace period of 25 days for each new purchase you make before interest will be charged.

LA Firemen’s Credit Union Classic Visa Credit Card Verdict

Overall, this credit card offers a lot of great benefits, which is exceptional when you consider that this is a classic credit card. Naturally, you’ll still want to compare rates between different companies, but if you qualify for this card as an LA Firemen’s Credit Union member, you’ll definitely want to consider this as an option.

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