| Category | Rate | Type | Cap |
|---|---|---|---|
|
Gas Stations
3% cash back on gas purchases, up to $500 per month in spend.
|
3x | Cash Back | $6,000/yr |
|
Groceries
2% cash back on all grocery purchases, unlimited.
|
2x | Cash Back | No cap |
|
All Other Purchases
1% cash back on all other purchases, unlimited.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
25-Day Grace Period
Cardholders receive a 25-day grace period before interest is charged on purchases if the balance is paid in full.
|
Financial | 25 days |
|
No Annual Fee
The card carries no annual membership fee.
|
Financial |
$0
Up to $0
|
|
No Balance Transfer Fee
LMCU credit cards do not charge a fee for balance transfers.
|
Financial |
$0
Up to $0
|
|
All Other Purchases Cash Back
Earn 1% cash back on all other purchases with no spending cap.
|
Rewards | 1% (unlimited) |
|
Gas Cash Back
Earn 3% cash back on gas purchases, capped at $500 in monthly spend.
|
Rewards | 3% (up to $500/month) |
|
Grocery Cash Back
Earn 2% cash back on all grocery purchases with no spending cap.
|
Rewards | 2% (unlimited) |
|
Zero-Liability Fraud Protection
24/7 zero-liability fraud protection ensures cardholders are not responsible for unauthorized transactions.
|
Security | Complimentary |
