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      CREDIT CARD

      Listen, credit card offers are a dime a dozen. (And most of them come saddled with rates that aren’t exactly worth the price of admission.) That’s why we keep it simple and focus on meeting member needs at their very core—low interest rates and high reward yields.

      APPLY NOW ︎

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      Wallet to Perfection.

      Better Visa® cards for a better life. Little to no fees and lower interest. Find the right card for you.

      A perfect fit for every lifestyle.

      What’s your Levo quotient when it’s time to spend? With the Levo Better Visa® Card, you can shop by your own rules; by rate, or rewards.

      BetterRateVisaCard

      Better Rate Visa® Card

      If minimal interest is your speed, cut away the extras with the Better Rate Card. Enjoy the benefit of an interest-free grace period on all purchases if the pay-in-full amount is paid by the due date.

      • Low Interest Rate
      • Instant Access From Laptop, iPad, or Smartphone
      • No Balance Transfer Fees
      • No Cash Advance Fees

      No Annual Fee

      APPLY NOW
      BetterRewardVisaCard

      Better Rewards Visa® Card

      If rewards are what you’re after, maximize your opportunities to earn with the Better Rewards Card. Rewards such as gift cards can be earned from as little as 2,500 points—just for spending as you normally would on everyday purchases. Earn points for each dollar spent—redeem for travel, gift cards, and cash back!

      • 2% Cash Back on Gas, Groceries, And Wholesale Clubs All Year
      • 3% Cash Back During Black Friday Week
      • 1% Cash Back On All Other Purchases All Year
      • Instant Access From Laptop, iPad, or Smartphone
      • No Balance Transfer Fees
      • No Cash Advance Fees

      No Annual Fee

      LEARN MORE
      SecuredCard-2

      Levo Secured Visa® Card

      If you’re just getting started on building (or rebuilding) your credit, a secured card could be the answer. Enjoy a credit line of as little as $300 or as much as $5,000 that will help build your credit history for a minimal upfront security deposit.

      • Credit Line as much as $5,000
      • Instant Access From Laptop, iPad, or Smartphone
      • No Balance Transfer Fees
      • No Cash Advance Fees

      No Annual Fee

      CALL 605-334-2471
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      Realistic Rates

      At Levo, we understand that finding the best rates for all the services you need can be a daunting task. That's why we go above and beyond to work tirelessly on your behalf, ensuring that you receive the most realistic rates across the board. 

      VIEW ALL RATES ︎
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      Rewarding Results

      Seeing those reward points add up basically your favorite thing? (We can relate.) Maximize the benefit of using your Better Rewards Visa® whether you’re on a holiday spending spree or filling up at the pump.

      LEARN MORE ︎

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      Explore Security

      Enjoy the thrill of spending online or in-person without the headache of fraudulent transactions and ID theft? (Yeah, we know it’s a resounding “yes.”) We amp up the security features to keep your credit card on the safe side.

      EXPLORE SECURITY ︎

      Current Consumer Credit Card Interest Rates

      Credit Card APR*
      BETTER REWARDS VISA® CREDIT CARD 16.24%
      BETTER RATE VISA® CREDIT CARD OR SECURED VISA® CREDIT CARD 14.74%

      APPLY NOW ︎

      Transparent Fees

      Levo Credit Union prides itself on offering its valued members manageable credit cards that make sense. That’s why we keep fees minimal and clear.

      Requirements Amount
      ANNUAL FEE $0
      CASH ADVANCE FEE $0
      BALANCE TRANSFER FEE $0
      FOREIGN TRANSACTION FEE 1%/Transaction
      LATE PAYMENT FEE $25 or Less
      RETURNED PAYMENT FEE $25 or Less
      CARD REPLACEMENT FEE $15
      Features The Average Bank Levo
      REQUIRED OPENING DEPOSIT $100 $0
      MINIMUM DAILY BALANCE FEE $5.95/month $0
      OVERDRAFT LINE OF CREDIT ACCESS $3/transfer $0/transfer
      BILL PAY FEE $8/month $0
      OUT OF NETWORK ATM USAGE FEE $2 - $3.50 $2

      Check out our Visa card disclosure.

      Credit Card Fraud infographic CTA

      Ready for a Better Credit Card?

      APPLY NOW ︎

      Online Access

      Our online banking platform allows you instant access to your credit card transaction history and bill payments any time of day.

      • Check balances
      • Make payments
      • View statements
      ONLINE BANKING ▶︎

      Rewards Earned

      With the Better Rewards Visa® Credit Card, you can get rewarded just for spending—each dollar you spend earns you a point. Accumulate those points to redeem for travel opportunities, gift cards or cash.

      LEARN MORE ︎

      Calculate Your Payoff

      Need some assistance? We’ve got answers awaiting!

      *APR - Annual Percentage Rate. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.Annual Percentage Rate.  Some restrictions apply. Visa® credit cards are issued by Levo Credit Union, Member NCUA, pursuant to a license from Visa U.S.A. Inc.Visa® Credit Cards are issued by Levo Credit Union, Member NCUA. Pursuant to a license by Visa U.S.A. Inc.

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      If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-568-5711 for assistance. All products and services available on this website are available at all Levo Credit Union branch locations.

      © 2014-2025 Levo Credit Union

      National Credit Union Association
      Equal Housing Lender

      Routing Number: 291479974 | NMLS: 441310