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Navigator Credit Card

Lighthouse Navigator Visa®
Card

Earn points on everyday purchases1 and redeem for cash, travel, and more

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Earn Rewards on Everyday Purchases1

Make every purchase count with the Lighthouse Navigator Visa Credit Card. Earn points on everyday purchases1 and redeem them for cash back, travel, merchandise, and more! Plus, pay no annual fee2 and enjoy peace of mind with 24/7 fraud protection3 and Visa’s Zero Liability policy.4

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Terms and Conditions

1

Earn points on everyday purchases1

2

Redeem points for cash, travel, and more

3

No annual fee or balance transfer fees2

4

24/7 monitoring3 and Visa’s Zero Liability policy4

Every Purchase = Points1

Redeem your points for cash back, travel, and more

Earn points on your everyday purchases and redeem them for cash back, merchandise, travel, and more. You choose!

No balance transfer fees2 makes it easy to transfer balances from higher-rate credit cards and save.

Consolidate Balances

Transfer balances from high-rate cards and save

Fraud Protection

24/7 monitoring3 and Visa’s Zero Liability policy4

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.
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Credit Card Rates

Card TypeAPR As Low As¹Description
Lighthouse Anchor Card13.49%
Variable rate
Lighthouse Navigator Card16.49%Variable rate

  1. 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.
  2. Annual Percentage Rates (APR) range from 13.24% to 16.24% based on card type; accurate as of 06/01/2025 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.
  3. 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.
  4. 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.
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FAQs

Points can be redeemed through the uChoose Rewards® portal for merchandise, travel, gift cards, and more.

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.

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.

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.

Banking on the Go

Download the Lighthouse Mobile Banking app and manage your accounts on the go.
  • Access all of your Lighthouse accounts
  • Make easy, secure loan payments
  • Mobile deposit your checks

*Mobile check deposit is only available to members over 16 years old. Deposits are subject to our discretion. Standard Funds Availability policy applies. Please see the Mobile Deposit Disclosure and Agreement for details. 

Membership means more at Lighthouse

Being a credit union member supports community inpact by helping fund local programs through reinvested earnings. 

Become a Member

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.