Apply for a Visa Credit Card Today
Get the credit card that has it all!
Enjoy the convenience and security of a Platinum Visa® credit card from the credit union you trust! With Lanco FCU’s Platinum Visa credit card, you get all the best features you want plus an excellent rate.
- Credit card rates as low as 8.99%.1 View all current rates
- Credit limits up to $20,0001
- Earn rewards points to redeem for travel, merchandise, cash back, and more2
- No annual fee
- Balance transfers with no fees3
- Cash advances with no fees3
- 25-Day grace period for purchases
- No minimum interest charge
Enjoy these cardholder perks:
1x Points with CURewards
Earn 1 point for every dollar in purchases, and redeem your points at CURewards.com for travel, merchandise, cash back and more!2 Or, enjoy the convenience of redeeming rewards through your MyLancoCards profile.
Online & Mobile Access
Easily manage your card account from any desktop or mobile device with MyLancoCards. You can enroll in electronic statements, review transactions, schedule payments, set card controls, submit travel dates, report a lost or stolen card, and more.
Fraud Protection
Feel confident knowing that your Lanco FCU Platinum Visa credit card has fraud-prevention and recovery measures in place to protect you from fraudulent activity. Should unauthorized charges ever occur on your account, your card is backed by the Visa Zero Liability Policy.
Plus, added benefits including…
• Rely on emergency roadside assistance. Call on Roadside Dispatch® whenever you’re in need of a tow—available to eligible Lanco FCU Platinum Visa credit cardholders 24/7 with no membership required.4 To learn more about this benefit, call 1‑800‑847‑2869.
• Credit improvement made simple. Dovly is the first smart credit engine designed to help raise your credit score.5 Your Lanco FCU Platinum Visa credit card gives you access to Dovly Uplift™. Confirm Eligibility and Enroll Now.
• Your partner against identity theft. Although no one can prevent all identity theft, your Lanco FCU Platinum Visa credit card includes ID Navigator Powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened. To confirm eligibility, visit https://lifelock.norton.com/visabenefit.
Building or Repairing Your Credit? Count on Lanco FCU
Providing members with affordable access to credit is a primary focus of Lanco FCU’s mission. If you have little to no credit, or even bad credit, you don’t have to settle for high-cost credit cards. Lanco FCU offers two credit card options that can help you build good credit without having to pay absurd fees and high interest rates. Plus, you’ll get all of the same benefits as our regular Platinum Visa!
Credit Builder Visa® Credit Card
Lanco FCU’s Credit Builder card offers a way for students, or anyone with limited credit experience, to start building credit history.
- Rate of 18.00% APR
- Credit limits up to $500
New or Repairing Credit
Our Share Secured credit card is a great way for individuals who have limited or bad credit history to start building good credit.
- Rate of 7.99% APR
- Share pledge of $100 or more required
- Credit limit equal to share pledge
While there are multiple factors that influence your credit score, using a Lanco FCU credit card responsibly can help you to establish good credit. Using only a portion of your available credit and making on-time payments every month can help to boost your score. Once you’ve established good credit history, you can choose to apply for the regular Lanco FCU Platinum Visa to possibly raise your limit and lower your rate.
Federal regulations require that members under the age of 21 apply in person and provide proof of income (or a co-signer). To apply, please visit a Lanco FCU branch.
1 Based on qualifications. Same rates for purchases, cash advances, or balance transfers.
2 Every dollar in qualifying purchase transactions minus returns (“Net Purchases”) that you make with your Lanco FCU Platinum Visa credit card earns one point. No points are earned for purchases that require the use of your PIN (including cash advances, ATM withdrawals), finance charges, fees, foreign transaction currency conversion charges, or insurance charges posted to your account. Points expire 3 years after accumulation. Should your Visa account become 60-Days delinquent, all points accumulated at that time will be forfeited and will continue to be forfeited until account is brought current.
3 No grace period for cash advances. The finance charge begins to accrue from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later. Balance transfers are processed as cash advances.
4 Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances.
Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $69.95. Service call fees are subject to change at any time; however, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.
5 While Dovly’s platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.