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goodRate Visa® Credit Card

Reasonable rates and no annual fees. Need we say more?

Credit cards are supposed to simplify your finances, not complicate them. Get a goodRate Visa Credit Card and enjoy no annual fees and lower rates to help you save more money.

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Low intro rate

Start with a low, low introductory rate of only 1.99% APR* for 12 months.

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No annual fee

LSCU Members never pay annual fees on our credit cards, so you can save more money.

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Easy balance transfers

Consolidate your debt with 0% introductory APR* on balance transfers for 18 months.

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Digital Wallet

Make payments with just a tap.

Low Introductory Rates

Save more money on your balance with lower rates

Everyone wants to save money. With a goodRate Visa Credit Card from LSCU, you can get the low introductory rate of 1.99% APR* for the first 12 months. That way, you can focus more on your balance and less on paying high interest rates.

Fewer Fees

Skip the fees and keep more money in your account

With a goodRate Visa Credit Card, you can ditch the fees and keep more money in your account. LSCU Members never pay annual fees on our credit cards. Helping you focus on paying off your balance and enjoying more financial flexibility.

Financial Calculator

See how long it will take to pay off your current credit cards

Ready to regain control of your consumer debt? Use our credit card payoff calculator to see how long it will take.

How it works

It's easy to get a goodRate Visa Credit Card from Lone Star Credit Union.

  • 1

    Complete an application

    It takes only a few minutes to complete the online application.

  • 2

    Get approved

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Use your card

    Once you get your new card, you're free to make purchases.

Apply for a goodRate Visa Credit Card

Top questions

  • Credit card account information is accessible through the credit card portal. Users can view their card balances, available credit amount, and recent transaction history.

  • No, you can access your account through the credit card portal. Enrolling in digital banking simply allows you to view your credit card information with your other LSCU accounts and eliminates the need for multiple logins.

  • First, you’ll need to log in to digital banking. Next, you’ll make a transfer from your LSCU Checking to your LSCU Visa. Once the transfer has been submitted your payment is complete.

    IMPORTANT: Making a payment to your credit card in digital banking will not cancel a recurring payment. If you have a recurring payment set-up through the credit card portal, this will continue automatically unless you manually cancel it.

  • Yes, you can make a payment on your credit card by setting up an automatic transfer from another LSCU account.

    Login to digital banking. Click transfer money and select the account from which you want to send money. Select the recipient where the money will be sent (Savings or Loan) and click continue. Input the amount of the transfer, choose the date the funds are to be moved, and the frequency of the transfer, then input the end date. Click continue, review your transaction, and click continue again.

  • Login to digital banking, and click on my finance, then choose the scheduled transfer widget. Locate the transfer you wish to edit or delete and click the three dots next to the amount. To edit the transfer, click edit. To delete the transfer, click delete transfer.

  • You will need to log in to the credit card portal to make a payment from another financial institution.  Click “Make Payment”.

  • You will need to log in to the credit card portal.Click “Make Payment.” Click the “Enroll” link, then agree to the terms and conditions, and then add your bank routing and account numbers. Review your payment and finally authorize the recurring payment.

  • To cancel a recurring payment to your Visa, log in to the credit card portal and select “Make Payment.” Select “Unenroll” and submit.

  • To view your statement, log in to the credit card portal.. If you have not set up your credit card account, you will need to enroll as a new user. Once logged in select Statements. (Member must be enrolled in e-statements to view online.)  Only statements produced after the date of enrollment will be viewable.


Have a question? Contact us

Get the card with no annual fees and lower rates

You don't need a card that adds to your balance. Skip the fees and high interest rates and keep more money in your account with a goodRate VISA Credit Card from Lone Star Credit Union.

  • *APR = Annual Percentage Rate. 1.99% APR introductory rate is valid from first card issue date.

    **0% APR introductory balance transfer rate rate is valid from first card issue date. Balance transfer fee is $10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

    As of 11/16/2022, rates range from 10.95% APR – 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. Cardholder rate is subject to credit approval. ATM cash advance fees: Rate + 3%  with a cap of 18%.


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