Langley Signature Cash Back Visa

The Langley Signature Cash Back Visa is a rewards card designed for members of the Langley Credit Union, or for people who want to become a member. To become a member, you have to open an account and purchase a share in the credit union (currently $5). The card gives 5% cash back on a category of your choice, offering three choices per month. Past categories include dining, office supply stores, pet supply stores, gas, and wholesale clubs. It also offers 3% cash back on gas, 2% cash back on groceries and wholesale clubs, and 1% on other purchases. The rewards don’t stack: if gas is your chosen 5% category for the month, you’ll earn 5% cash back, not 8%. You also need to activate your 5% cash back category. There are no 0% introductory APR offers on balance transfers or purchases, but this is a solid cash back option. We dive into the details and your approval odds in this Langley Visa review.

Langley Signature Cash Back Visa

Our Rating

/5.0

Welcome Offer

For a limited time earn 10% Cash Back

Annual Fee

$0

0% Intro on Purchases

None

Reward Rate

1% to 5% cash back

0% Intro on Balance Transfers

None

Welcome Offer

For a limited time earn 10% Cash Back with your Signature Cash Back Visa for the first six months after opening.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Alerts, Identity theft protection, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access
Travel PerksConcierge Services, Emergency Travel Assistance, Roadside Assistance

Rewards

1% cash back
On all other eligible purchases
1% cash back on all other purchases
2% cash back
U.S. supermarkets
Earn 2% cash back on groceries and wholesale clubs
3% cash back
Gas
Earn 3% cash back on gas
5% cash back
Rotating Categories
Pick your 5% category each month to earn up to an extra $100 a month; categories change every month and do not stack

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR16.25% to 18.00% (V) APR

What Credit Score Is Required to Get the Langley Signature Cash Back Visa

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 797

Average Approved Credit Score: 797

App StatusDateCredit ScoreBureauCredit Limit
Approved08/02/2022
797
Equifax
$15,000

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • Requires good credit

What Are the Best Alternatives?

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3% cash back

Annual Fee

$0

Costco Anywhere Visa<sup>®</sup> Card by Citi
Costco Anywhere Visa® Card by Citi

Rating

4.4

Rewards Range

1%-4%

Annual Fee

$0

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

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