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Find the Perfect Card For You

Compare top cards side by side and choose the rewards, rates, and perks that match your lifestyle

Limited Time Offer Available
Signature Cash Back Earn the most rewards on your spending
Fair Credit
Earn $200 for spending $3,000 in the first 90 days of card opening1
Up to 5% cash back on everyday purchases2,3
Porch piracy protection
Exclusive VISA Benefits
Fixed 18.00% APR* Pricing & Terms
Platinum Essential Best for re-establishing your credit
Rebuilding Credit
Rebuild your credit with smart usage
Porch piracy protection
Instant FICO Score access
Fixed 18.00% APR* Pricing & Terms
Limited Time Offer Available
Platinum Quint Earn consistent, simple cash back
Fair Credit
Earn $100 for spending $1,500 in the first 90 days of card opening4
Earn consistent 1% cash back on daily purchases5
Porch piracy protection
Instant FICO Score access
Fixed 18.00% APR* Pricing & Terms
Platinum Select Low variable rates
Fair Credit
Unlock our lowest variable rates
Variable 10.50% - 18.00% APR* Pricing & Terms
Platinum Business Great rates and high limits for business owners
Good Credit
Exceptional rates for business owners
Flexible credit lines
Instant FICO Score access
Variable 13.75% - 16.75% APR* Pricing & Terms

FAQs

Can I switch from a low rate card to a cash back card?
You can apply for a Cash Back card and transfer the balance on approval.
Can I transfer balances from another card to a Langley Visa credit card?
Certainly! You are able to transfer any card balances to your Langley Visa in Online Banking or through Langley’s Digital Banking app.

Learn how to transfer your balances.
Why am I being charged interest when I paid off my card last month?
You may see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called “trailing interest”. Trailing interest is the interest charged when, for example, you didn’t pay your previous balance in full. When that happens, we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying your balance in full by the due date each month.
What is my card's APR?
Every credit card will have a fixed or variable APR. Here are Langley's credit card rates:

Signature Cash Back Visa: Fixed 18.00% APR.
Platinum Quint Visa: Fixed 18.00% APR.
Platinum Essential Visa: Fixed 18.00% APR.
Platinum Select Visa: Variable 10.50% - 18.00% APR. (based on credit eligibility)
Platinum Business Visa: Variable 13.75% - 18.00% APR. (based on credit eligibility)
What is the difference between a fixed and variable APR?
Fixed Rate credit cards will charge you interest on your balance at a set rate that will not fluctuate with market trends like a variable rate credit card. The APRs offered on fixed rate credit cards are typically in the mid-to-high range, but benefit the cardholder by adding a level of predictability and stability to your interest calculations.

Variable Rate credit cards will charge you interest on your balance at a rate that can fluctuate with market trends. The rate on your variable credit card can change at any time. The APRs offered on variable rate credit cards range from low to high, but benefit the cardholder by adding the potential to receive a much lower rate than a fixed rate card, based on your credit eligibility.
What credit score do I need to qualify?
Our credit card approval process is based on your recent credit history and not score alone. Having a credit score in a certain range will not guarantee approval nor disapproval. Langley uses official FICO Score ranges as a guiding metric for the credit score influenced portion of our approval process. The official FICO Score ranges are:

Excellent: 800-850
Very Good: 740-799
Good: 670–739
Fair: 580–669
Poor: less than 580
1

To qualify for the $200 reward, new accounts only. Members must make $3,000 in net qualifying purchases within 90 days of account opening. Net qualifying purchases exclude returns, refunds, balance transfers, cash advances, and fees. Account must be open and in good standing at the time of bonus fulfillment. Limit one bonus per member. Once the purchase requirement is met, the bonus will be deposited into the member’s primary savings account. Bonus categories are determined by merchant category codes assigned by Visa. Membership required ($5 savings deposit). Subject to credit approval. Offer subject to change. Federally insured by the NCUA.

2

For Langley Signature Cash Back Visa credit card holders only. 5% cashback rewards must be activated to earn cash back. 5% cash back eligible on gas & ev, home depot & lowes, or sporting goods based on cardholder's choice, posted 3/01/26 through 3/31/26, up to $100 in earnings. Cardholders must activate or change their 5% category by 11:59:00 PM EST on 3/31/26 to be eligible for cash back. 5% cashback rewards are added to your savings account and will be posted separately from your standard Signature Cash Back Visa rewards. Purchases made through third-party payment accounts, virtual wallets or similar technology will not be eligible if transaction details aren't available. Merchants are assigned a merchant category code (MCC) that Langley doesn't assign. Items may appear to fit in a rewards category but, the merchant may not have an assigned MCC in that rewards category. Offer valid 3/01/26 through 3/31/26.

3

Signature Cash Back Visa credit card holders will receive 3% cash back on gas purchases, 2% cash back on in store grocery and wholesale club purchases and 1% cash back on all other purchases. Annual Percentage Rate (APR) for Signature Cash Back VISA is fixed, subject to approval. The Langley Signature Cash Back credit is applied to your savings account and shown on your statement. Federally Insured by NCUA.

4

To qualify for the $100 reward, new accounts only. Members must make $1,500 in net qualifying purchases within 90 days of account opening. Net qualifying purchases exclude returns, refunds, balance transfers, cash advances, and fees. Account must be open and in good standing at the time of bonus fulfillment. Limit one bonus per member. Once the purchase requirement is met, the bonus will be deposited into the member’s primary savings account. Bonus categories are determined by merchant category codes assigned by Visa. Membership required ($5 savings deposit). Subject to credit approval. Offer subject to change. Federally insured by the NCUA.

5

Platinum Quint Visa credit card holders will receive 1% cash back on EV charging stations, gas, groceries, wholesale club purchases, and drug store purchases. Annual Percentage Rates (APR) for cards are variable and determined by credit history, subject to approval. The Langley Platinum Quint Visa cash back is applied to your savings account and shown in Online Banking.

*

Annual Percentage Rate (APR) is variable and determined by credit history. $5 deposit to Langley savings account required for membership.