Langley FCU · Visa Signature · Personal
Langley FCU Signature Cash Back
A no-annual-fee card earning cash back: 5× on Monthly Categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 5×Monthly Categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
5 categories, 4 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Monthly Categories Cap $2,000 / 1 mo | 5× | $5.00 | |
| Gas Stations | 3× | $3.00 | |
| Groceries | 2× | $2.00 | |
| Wholesale Clubs | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Langley FCU
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules1
- Langley FCU Membership
Membership in Langley FCU is a prerequisite, but it’s accessible to anyone by joining a participating organization for a $5 fee, as noted in discussions on platforms like Doctor of Credit. Specific application rules (e.g., credit score, income requirements) weren’t detailed, suggesting a standard credit union application process. Users should contact Langley FCU for precise eligibility criteria.
Alternatives
Head to head with similar cards
 Langley FCU Signature Cash Back |  Bank of America Customized Cash Rewards |  Paypal Debit |  Bilt Obsidian | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $95+$95 |
| Signup bonus | None | $200 | None | $200 |
| Top rate | 5×Monthly Categories | 3×Monthly Categories | 5×Monthly Categories | 3×Monthly Categories |
| Travel value * | –Cash back | –Preferred Rewards | –Cash back | 1.92¢Bilt Points |
| Why it’s here | This card | Also no annual fee | Also no annual fee | An annual fee within $100, with transferable points |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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