Lighthouse Navigator Visa® Card
Earn points on everyday purchases1 and redeem for cash, travel, and more
Earn Rewards on Everyday Purchases1
- Earn points on everyday purchases1
- Redeem points for cash, travel, and more
- No annual fee or balance transfer fees2
- 24/7 monitoring3 and Visa’s Zero Liability policy4
Every Purchase = Points1
Earn points on your everyday purchases and redeem them for cash back, merchandise, travel, and more. You choose!
Consolidate Balances
No balance transfer fees2 makes it easy to transfer balances from higher-rate credit cards and save.
Fraud Protection
You’re never on the hook for fraud or unauthorized purchases with Visa’s Zero Liability policy.4 Plus, 24/7 fraud monitoring3 always has your back.
Credit Card Rates
Effective 10/06/2026
| Card Type | APR As Low As¹ | Description |
|---|---|---|
| Lighthouse Anchor Card | 12.74% | Variable rate |
| Lighthouse Navigator Card | 15.74% | Variable rate |
- Earn 1 uChoose Rewards® point for every $1 spent on qualifying purchases made with your Navigator Visa® credit card. Qualifying purchases exclude cash advances and other specified transactions. To redeem points, you must first register your card at uChooseRewards.com. Please see the Navigator Visa Disclosure for additional terms and conditions.
- Annual Percentage Rates (APR) range from 12.74% to 15.74% based on card type; accurate as of 09/18/2026 and subject to change without notice. APR is variable and may change after account opening. Foreign transaction fee is 1.00% of the amount of each foreign transaction in U.S. dollars. Late payment fee is between $10 and $25 based on the amount owed but will not exceed the payment amount due. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. All loans subject to credit approval.
- 24/7 fraud monitoring is provided by Enfact® and is designed to help detect suspicious activity on your account. While this service provides continuous monitoring, it does not prevent all types of fraud or unauthorized transactions. Cardholders are responsible for taking reasonable care to protect their card and account information and must promptly report any unauthorized activity. Additional terms and conditions may apply.
- With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized purchases made with your Visa® credit card if it’s lost, stolen, or fraudulently used—whether in person, online, or over the phone. This protection does not apply to certain commercial cards, anonymous prepaid cards, or transactions where you have been negligent or involved in fraud. Unauthorized transactions must be reported to Lighthouse Credit Union immediately upon discovery. Please see the Visa Cardholder Agreement and Visa’s Zero Liability web page for additional information.
- Visa is a registered trademark of the Visa International Service Association.
- uChoose Rewards is a registered trademark of Fiserv, Inc.
Credit Card FAQs
What can I redeem my points for?
What’s a balance transfer?
A balance transfer is a transaction in which you use part of your available balance on one credit card to pay off or pay down another card. Balance transfers are commonly used to pay off the entire balance of another, higher rate credit card. By using a balance transfer from one card account to pay down or pay off another at a higher rate, you can save a lot in interest. The Navigator card carries no balance transfer fee2. Please see our Credit Card Terms & Conditions for full details.
Can I upgrade my Lighthouse Anchor Card to a Navigator Card?
Yes, you have the option to upgrade your unsecured Anchor Card to a Navigator Card. Contact us and we’d be happy to start the process for you! If you’re currently using the secured Anchor Card, we’d be happy to help you apply for a Navigator Card, which is an unsecured card.
What is Visa's Zero Liability policy?4
Visa Zero Liability policy means you’re never on the hook for unauthorized or fraudulent charges to your Lighthouse navigator Card. Read more about Visa’s Zero Liability Policy and how it keeps you protected.
Membership means more at Lighthouse
Being a credit union member supports community impact by helping fund local programs through reinvested earnings.
Affordable Housing
We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.
Volunteering
Our employees are given paid time off to volunteer for community programs of their choice.
Local Organizations
We partner with organizations that help to enrich and nourish the lives of our neighbors.
Food Access
We fund programs that help fight food insecurity across our communities.