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Legacy Credit Union Credit Card Alternatives

Legacy Bank

Legacy Community Federal Credit Union was founded in 1955 and originally served the University of Alabama at Birmingham (UAB) community. However, in 2006 they expanded to serve several counties in Alabama including St. Clair, Blount, Walker, Chilton, Bibb, Shelby and Jefferson which make up the Greater Birmingham Metropolitan Area. Legacy provides a wide variety of financial services including but not limited to loans, banking and credit cards.

Unfortunately, we do not currently offer any online applications for this bank.
However, our experts have matched very similar credit card offers which might be just as good or better available from other banks!
Unfortunately, we do not currently offer online application for
Featured Alternative to Legacy Credit Union Cards:
for Good, Excellent Credit
Discover it® - Cashback Match™
You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
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Compare Legacy Credit Union Cards with the Other Offers
Card Type
Intro APR on Purchases
Regular APR
Annual Fee
Application Processing Fee
Legacy Credit Union Cards:
Featured Alternatives to Legacy Credit Union Cards:
Good, Excellent Credit
Excellent/Good Credit
Average, Fair, Limited Credit
Excellent / Good Credit
Excellent / Good Credit
Discover it® - Cashback Match™ Citi Simplicity® Card – No Late Fees Ever Capital One® QuicksilverOne® Cash Rewards Credit Card Visa Platinum Credit Card Visa Platinum Preferred Credit Card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
0% (12 months)
0% (21 months)*
0% intro on purchases for 9 months
n/a30
n/a30
11.24% – 23.24% Variable
13.24% - 23.24% (variable)
23.24% (Variable)
12.90%30
8.90%30
$0
$0*
$39
0%30
0%30
See terms
See terms
See terms
See terms
See terms

Other Alternatives to Legacy Credit Union Cards:

Excellent/Good Credit
Citi® Diamond Preferred® Card
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Expert Rating:

Card Details
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APRAnnual FeeApplication Processing Fee
0% (21 months)*0% (21 months)*12.24% - 22.24%* (Variable)$0*See terms
Credit One® Platinum Visa® Rewards Credit Card
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Expert Rating:

Card Details
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
N/A15.65% - 24.15% Variable$0 - $99See termsYes
Credit One Bank® Visa® - No Deposit Required
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Expert Rating:

Card Details
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • Email or text alerts to remind you when your payment is due
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
N/A15.65% - 24.15% Variable$0 - $99See termsYes
Milestone® MasterCard® with Free Choice of Card Image
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Expert Rating:

Card Details
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APRAnnual FeeApplication Processing Fee
N/AN/A23.9%$35 - $99*See Terms
Surge MasterCard® Credit Card
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Expert Rating:

Card Details
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
n/a*See Terms*See Terms*See TermsYes
Barclaycard Rewards MasterCard®
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Expert Rating:

Card Details
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
n/a25.24%* Variable$0See termsYes
Matrix MasterCard® Credit Card
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Expert Rating:

Card Details
  • All credit types welcome to apply!
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results are provided online!
  • Monthly reporting to the 3 major credit bureaus.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
N/A*See terms*See terms*See termsYes

* Click apply to read the full Terms and Conditions.
30 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

See Also Credit Card Applications from Other Banks:

Legacy Credit Union Credit Cards Advantages

Legacy Credit Union offers two credit cards, the Visa Platinum Preferred and the Visa Platinum. A Legacy Visa can be used anywhere Visa is accepted. The Legacy credit cards are similar in several ways. However, each legacy credit card is also very different.

The similarities are that both cards offer no minimum finance charge and a 25-day grace period. This means that you will not be charged a finance charge as long as you do not carry a balance. You have 25 days after your statement closes before accruing any finance charges. Both cards also have no annual fee, no balance transfer fee, no cash advance fee and no penalty APR. Both cards also provide e-statements and Internet account access.

The main difference between the two Legacy Visa cards is the annual percentage rates. The Legacy Visa Platinum has an APR of 12.90% while the Visa Platinum Preferred has an APR of 8.90%. This might not seem like a big difference but it is. The other major difference is that only the Visa Platinum Preferred allows you to earn rewards Scorecard Rewards.

Scorecard Rewards allows members to redeem points for merchandise, gift cards and airline travel. You will get the most out of your rewards by saving huge amounts and using them for airline travel. Most other redemption methods will give you less than a penny for a point. Depending on what you redeem the rewards for, point values can range from .46 cents on a two way radio for 4,300 points to .88 cents for two Fandango movie tickets at 2,500 points.

If you had to choose between the two cards, the Legacy Visa Platinum Preferred is by far superior. Although both cards come with good features the difference in the APR is significant. Not to mention the rewards. If you want to find more ways to make each swipe go further compare some other cards here.