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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.
- FEATURED CREDIT CARD -
Better Rewards Visa® Credit Card -
The Credit Card that pays you back.
Earn 3% cash back during Black Friday Week, 2% on gas, groceries, and wholesale clubs, and 1% on all other purchases.
Every swipe has something in it for you.
A perfect fit for every lifestyle.
What’s your Levo quotient when it’s time to spend? With a Levo Better Visa® Card, you can shop by your own rules, by rate, or by rewards, and with little to no fees and lower interest. Find the right card for you.
I want the lowest rate I can get.
Better Rate Visa® Card
- No Annual Fee
- No Balance Transfer Fee
- No Cash Advance Fees
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
▶︎ Tap-To-Pay
I want to earn cash back on my spending.
Better Rewards Visa® Card
- No Annual Fee
- No Balance Transfer Fee
- No Cash Advance Fees
Earn Rewards. Get Something Back. If rewards are what you’re after, maximize your opportunities to earn with the Better Rewards Visa® Card. You earn points on every purchase, with opportunities to earn even more on everyday spending. Redeem your rewards for cash, gift cards, or travel.
▶︎ Earn cash back on everyday purchases, including:
- 3% on ALL purchases during Black Friday Week
- 2% on gas, groceries, and wholesale clubs
- 1% on all other purchases
▶︎ Tap-To-Pay
I need to build (or rebuild) my credit.
Levo Secured Visa® Card
- No Annual Fee
- No Balance Transfer Fee
- No Cash Advance Fees
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 up to $5,000
Here's a perk worth transferring for.
Got a balance on another credit card? New Levo Better Rate and Better Rewards cardholders may qualify for a special 12-month introductory balance-transfer rate.
4.99% APR*
Ready for a Better Credit Card?
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 |
Check out our Visa card disclosure.
ACCOUNT ALERTS
Levo offers a wide range of Account Alerts that help you monitor your finances, keep your account safe, and help avoid overdrafts.
CARD CONTROLS
Manage your debit and credit cards effortlessly with Levo's mobile banking app. Activate cards, set travel notifications, and take control of your cards right from your phone.
MOBILE WALLET
Make in-store payments with this convenient payment method instead of paying with cash or carrying physical credit cards.
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
Calculate Your Payoff
Credit Card questions? We've got answers.
From choosing the right card to getting the most from it, here are answers to some of the questions we hear most.
📈 Choosing Your Card.
Questions about which card is right for me?
The Better Rewards Visa® Card lets you earn points on your purchases that you can redeem for cash, gift cards, or travel. The Better Rate Visa® Card offers a lower APR, making it a good option if keeping interest costs down is your priority. The Better Rate card does not earn rewards points.
It depends on what matters most to you. If you want to earn rewards on your everyday purchases, the Better Rewards Visa® Card may be the right fit. If you'd rather have a lower interest rate, consider the Better Rate Visa® Card. And if you're building or rebuilding your credit, the Secured Visa® Card may be a good place to start.
There's no single credit score that determines approval for every Levo credit card. Applications are reviewed based on your credit score, credit history, and overall creditworthiness. The Secured Visa® Card may be an option if you're building or rebuilding your credit, with all applications subject to review.
💰 Rewards & Fees.
Questions about what am I getting, and what will it cost me?
You earn rewards on your purchases, including 2% cash back on purchases at gas stations, grocery stores, and wholesale clubs, and 1% cash back on all other purchases. During Black Friday Week*, you can earn 3% cash back on all purchases. There's no limit on the rewards you can earn.
*Reference exact dates on our Better Rewards page.
There's no limit to the cash back you can earn. The amount you earn depends on how much you spend and where you shop.
Nope! Levo credit cards have no annual fee, no transfer fee, and no cash advance fee, so you can enjoy your card without all the fees other credit cards often carry.
Levo credit card rates are variable and reviewed quarterly. Your rate depends on the card you choose, and the APR will never exceed 18%. Check our current rates for the latest details.
Using Your Card.
Questions about what happens once I have it?
You can start your application online by visiting levo.org/credit-card and selecting Apply Now. You can also call us at 605.334.2471 or stop by one of our branches to get started.
You can make a payment by transferring money from your Levo checking or savings account. You can also add an external bank account in online or mobile banking to make a payment.
Use Card Controls in Levo Online Banking or the mobile banking app to turn your card on or off. It's a handy way to help protect your card if it's misplaced or you notice suspicious activity.
Yes! Levo credit cards are compatible with supported mobile wallets, including Apple Pay, Google Pay, and Samsung Pay. Add your card to your device's wallet for a convenient way to pay.
Call us at 605.334.2471 as soon as you notice your card is missing or stolen. You can also turn your card off through online or mobile banking. We'll help secure your account and arrange for a replacement card.
You can view your credit card transactions anytime through the Loans section of Levo Online Banking or the mobile banking app. You can also access your statements electronically through e-statements or receive them by mail.
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.