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Credit Card Applications » Legacy Bank

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!
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Featured Alternative to Legacy Credit Union Cards:
for Excellent, Good Credit
Discover it® - Cashback Match™
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
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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:
Excellent, Good Credit
Excellent, Good Credit
Average, Fair, Limited Credit
Excellent / Good Credit
Excellent / Good Credit
Discover it® - Cashback Match™ Discover it® Miles – Unlimited 1.5x Rewards Card Capital One® Platinum 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% (14 months)
0% (14 months)
N/A
n/a30
n/a30
11.49% – 23.49% Variable
11.49% – 23.49% Variable
24.99% (Variable)
12.90%30
8.90%30
$0
$0
$0
0%30
0%30
See terms
See terms
See terms
See terms
See terms

Other Alternatives to Legacy Credit Union Cards:

Barclaycard CashForward™ World MasterCard®
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Expert Rating:

Card Details
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APRAnnual FeeApplication Processing Fee
N/A0% (15 months (on balance transfers made within 45 days of account opening))15.24%, 20.24% or 25.24%* Variable$0See terms
Fingerhut Credit Account
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Expert Rating:

Card Details
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
n/a25.15%$0See TermsYes
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 13.24%-23.24% 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)*13.24% - 23.24%* (Variable)$0*See terms
Citi Simplicity® Card - No Late Fees Ever
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Expert Rating:

Card Details
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24% - 24.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APRAnnual FeeApplication Processing Fee
0% (21 months)*0% (21 months)*14.24% - 24.24% (variable)$0*See terms
Credit One Bank® Platinum Credit Card with Rewards
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Expert Rating:

Card Details
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • 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/A15.90% - 24.40% Variable$0 - $99See 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.

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.