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Legacy Credit Union
CREDIT CARD ALTERNATIVES

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.
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UNFORTUNATELY, WE DO NOT CURRENTLY OFFER ANY ONLINE APPLICATIONS FOR THIS BANK.

  • Best Cards
  • Excellent / Good Credit
  • Fair / Bad Credit
  • Limited/No Credit
Viewing 1 - 2 of 3

our choice

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0
Offer is not available

Rating 2.0

Excellent / Good Credit

REWARDS BONUS

  • No bonus offer30

REWARDS

  • Earn 1 point for every dollar you spend30

INTRO APR ON PURCHASES

  • No intro APR30

REGULAR APR

  • 12.92%30

ANNUAL FEE

  • 0%30

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0
Viewing 1 - 2 of 3

our choice

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases

ANNUAL FEE

  • $0

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

ANNUAL FEE

  • $0

Rating 3.9

Excellent/Good Credit

REWARDS BONUS

  • N/A

REWARDS

  • Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
  • Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back** with M1 Plus.

ANNUAL FEE

  • $0
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our choice

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 29.99% or 36% Fixed

ANNUAL FEE

  • As low as $85

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 29.99% or 36% Fixed

ANNUAL FEE

  • As low as $85

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

Rating 3.7

Bad, Fair, Good, Excellent Credit

INTRO APR ON PURCHASES

  • See website for Details*

REGULAR APR

  • 29.99% (Variable)

ANNUAL FEE

  • $75 - $125, after that $99 - $125 annually

KEY FEATURE

  • See if you’re Pre-Qualified without impacting your credit score
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our choice

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • As low as $85

Rating 3.7

Bad, Fair, Good, Excellent Credit

KEY FEATURE

  • See if you’re Pre-Qualified without impacting your credit score

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • $75 - $125, after that $99 - $125 annually

Rating 3.6

Any Credit Welcome

CREDIT CHECK

  • No

INSTANT RESPONSE

  • No

MINIMUM LOAN AMOUNT

  • $100

other alternatives TO LEGACY CREDIT UNION
CREDIT CARDS

our choice

Rating 4.5

  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards

our choice

No
Annual Fee & Foreign Transaction Fee
Annual Fee
None
Foreign Transaction Fee
0%
Late Payment Fee
Up to $25.00
10,000
Bonus
Points
Bonus Offer
Earn 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 point for every $1 spent on everyday purchases
Max. Rewards
Earn 1 point for every $1 spent on everyday purchases
Rewards expiration
Points never expire while account is open and in good standing

our choice

Rating 4.5

  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire

our choice

20,000
Bonus
Points
Bonus Offer
Earn 20,000 bonus Rewards Points when you spend $3,000 within 60 days of opening your new card
Earn More
on Your
Daily Spending
Rewards on everyday purchases
1 Reward Point for every $1 spent on all other purchases
Max. Rewards
Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications
Rewards expiration
Your points never expire
No
Annual Fee & Foreign Transaction Fee
Annual Fee
None
Foreign Transaction Fee
0%
Late Payment Fee
Up to $25.00

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

our choice

$200
Cash Back Bonus
Bonus Offer
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
3%
Cash Back
Max. Rewards
3% cash back on Home, Auto and Health Categories
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

our choice

$200
Cash Back Bonus
Bonus Offer
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
1.5%
Cash Back
Max. Rewards
Earn 1.5% unlimited cash back on card purchases every time you make a payment
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®

our choice

Up to
3%
Cash Back
Max. Rewards
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 3.7

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Double Your Line
Credit Line
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
Credit Check
Yes
Pre-Approval
See if you’re Pre-Qualified with no impact to your credit score
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureau Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

card offers FROM
LEGACY CREDIT UNION

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.

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