Credit Cards

Cash back is just the beginning

Our family of credit cards can help you make
the most of your purchases.

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Lecesses

Go the distance with great rewards from our Travel Rewards Credit Card.


$250 Statement Credit after you spend $3,000 on qualifying purchases5 in the first three months after account opening2
3% Unlimited Cash Back on travel qualifying purchases6
2% Unlimited Cash Back on dining qualifying purchases7
1% Unlimited Cash Back on all other qualifying purchases—all the time
Up to a $100 statement credit every 5 years, as reimbursement for your application fee for Global Entry or TSA Precheck3
No foreign transaction fees1
$0 Intro Annual fee1 for the first year, $89 thereafter
0.0% intro APR on balance transfers for 15 months after account opening. Competitive variable rate, currently 12.99%–22.99% APR, thereafter1. A Balance Transfer fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply.

If you take advantage of this introductory offer by making a balance transfer, you will be charged interest on purchases made with your credit card. For example, if you transfer a balance of $1,000 and made $25 in purchases in the same billing cycle, you would have to pay $1,025 by the next statement due date to avoid paying interest on the $25 in purchases.

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$250 Statement Credit
after you spend $3,000 on qualifying purchases5
in the first 3 months2.

Lecesses

Transfer balances and earn rewards with our Prime Rewards Credit Card.


3 year introductory offer at Prime Rate
(currently 5.00% variable APR)
on balance transfers made in the first 60 days after account opening. Variable 12.99%-22.99% APR thereafter.

Intro balance transfer fee offer
Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open1. After the first 60 days of account opening, the fee for future balance transfers is $10 or 3% of the amount of the transfer, whichever is greater.

1% Unlimited Cash Back
on all qualifying purchases4
$100 in statement credit2 after you spend $500 on qualifying purchases, in the first 3 months after account opening
No annual fee1
No foreign transaction fees1 

Lecesses

Build your credit while earning unlimited cash back with a Secured Credit Card from Lecesses.


2% Cash Back
on up to $6,000 spent annually on gas and grocery qualifying purchases

1% Unlimited Cash Back
on all other qualifying purchases

Tip: Maximize your cash back earnings with recurring payments such as cable, internet, phone and more. 


Control spending, establish good financial habits and earn rewards, with just one card. 

The Secured Card looks and functions like any other Mastercard®, the difference is how your credit limit gets determined.

Here’s how it works:

Apply and get approved for the card—just like with any other credit card

Open a Lecesses Secured Savings Account

Make a one-time deposit (up to the amount of your approved limit) into the account—this determines your spending limit

Watch your deposit earn interest, while you build credit by using your new card

To help build your creditworthiness, we’ll report your payment history to major credit bureaus. Plus, we’ll give you free access to you FICO® Score updated monthly so you’ll be able to keep track of where you stand. Then, when it’s time to upgrade and close your Secured Card account, you’ll get your initial deposit back with interest. 

Find the credit card that's right for you.

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Cash Rewards Credit Card		Travel Rewards Credit CardPrime Rewards Credit Card
Promotional Offer5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases8 in the first 12 months2$250 Statement Credit after you spend $3,000 on qualifying purchases8 in the first three months after account opening3$100 Statement Credit after you spend $500 on qualifying purchases in the first 3 months after account opening4
Introductory Rate Offer0.0% intro APR on purchases and balance transfers for 15 months after account opening. Competitive variable rate, currently 12.99%–22.99% APR, thereafter1. A Balance Transfer fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply. 0.0% intro APR on balance transfers for 15 months after account opening. Competitive variable rate, currently 12.99%–22.99% APR, thereafter1 A Balance Transfer fee of $10 or 3% of the amount of the transfer, whichever is greater will apply.

If you take advantage of this introductory offer by making a balance transfer, you will be charged interest on purchases made with your credit card. For example, if you transfer a balance of $1,000 and made $25 in purchases in the same billing cycle, you would have to pay $1,025 by the next statement due date to avoid paying interest on the $25 in purchases.		3 years intro offer at Prime Rate (currently 5.00% variable APR) on balance transfers made in the first 60 days after account opening. Variable
12.99%–22.99% APR, thereafter

AND

Intro balance transfer fee offer. Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open1. After the first 60 days of account opening, the fee for future balance transfers is $10 or 3% of the amount of the transfer, whichever is greater.

If you take advantage of this introductory offer by making a balance transfer, you will be charged interest on purchases made with your credit card. For example, if you transfer a balance of $1,000 and made $25 in purchases in the same billing cycle, you would have to pay $1,025 by the next statement due date to avoid paying interest on the $25 in purchases.
Unlimited Cash Back2% Unlimited Cash Back on gas and grocery qualifying purchases after the promotional period ends2
1% Unlimited Cash Back on all other qualifying purchases		3% Unlimited Cash Back on travel qualifying purchases9
2% Unlimited Cash Back on dining qualifying purchases10
1% Unlimited Cash Back on all other qualifying purchases		1% Unlimited Cash Back on all qualifying purchases8
Cash Deposit Bonus10%, 25% or more5, based on your deposit relationship with Lecesses when you redeem rewards directly to a Lecesses Checking, Savings or Money Market accountUp to 50%5 based on your deposit relationship with Lecesses when you redeem rewards directly into a Lecesses Checking, Savings or Money Market account10%, 25% or more5, based on your deposit relationship with Lecesses when you redeem rewards directly into a Lecesses Checking, Savings or Money Market account

DISCLAIMERS
Subject to credit approval, eligibility and credit qualifications.
2 5% Cash Rewards Benefit (Cash Rewards): You will earn an additional 3% in Cash Rewards (5% Cash Rewards total), at Participating Merchants (gas and grocery stores), on Qualifying Purchases made with the Card (a) up to the $6,000 combined total of Qualifying Purchases made at Participating Merchants or (b) through the first 12 months after account opening, whichever comes first. After you have fully utilized the additional 3% benefit either by (a) spending up to the $6,000 combined total of gas and grocery Qualifying Purchases made at Participating Merchants or (b) reaching the end of the first 12 months after account opening, whichever comes first, you can then earn the unlimited 2% Cash Rewards Benefit. The 5% Cash Rewards Benefit is only available during the first 12 months after account opening.
3 $250 Statement Credit: You will earn a $250 statement credit after spending $3,000 on net Qualifying Purchases within the first three months after account opening. After qualifying, please allow 1-2 billing cycles for the credit to appear on your statement.
4 $100 Statement Credit: you will earn a $100 statement credit after spending $500 on net Qualifying Purchases within the first 3 months after account opening. After qualifying, please allow 1-2 billing cycles for the credit to appear in your cash rewards account.
5 Cash Rewards Redemption: After close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, you may redeem your Cash Rewards in U.S. dollars for cash back with a minimum of $5 and any greater amount (not to exceed the total Cash Rewards earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Rewards for cash back through (1) a statement credit to your Card Account or (2) an ACH credit into the deposit account that you designate. Cash Rewards earned on Card Accounts that are redeemed through an ACH deposit into a Lecesses checking, savings, or money market account (excludes Secured Savings Account) will receive a Cash Deposit Bonus of 10%, 25%, or 50% on redemption, depending on your deposit relationship with Lecesses, as of the last day of the month preceding redemption, or if you redeem in the first few days of the month, the last day of two months’ prior to redemption (see Program Agreement), as follows:
    Clients with Lecesses Signature Advantage accounts and $100,000 or more in Combined Consumer Deposits and Investment Balances† with Lecesses or clients in the Premier Banking Program‡ or Private Wealth Management * clients will receive a Cash Deposit Bonus of 50%. On $100 in base Cash Rewards, these clients would earn an additional $50, totaling $150 in Cash Rewards earnings.
    Clients with Lecesses Signature Advantage accounts and less than $100,000 in Combined Consumer Deposits and Investment Balances with Lecesses will receive a Cash Deposit Bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.
    All other clients who redeem their Cash Rewards into a Lecesses checking, savings, or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.
        * Private Wealth Management means the group within Lecesses Bank that provides a full array of wealth management products and professional services to high net worth clients seeking active management of their financial resources. Private Wealth Management is a marketing name used by Lecesses Banks, Inc. and the following affiliates: Banking and trust products and services, including investment advisory products and services, are provided by Lecesses Bank. Securities, insurance (including annuities) and other investment products and services (including brokerage accounts) are offered by Lecesses Investment Services, Inc., an SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency.
        † Combined Consumer Deposits and Investment Balances means the sum of balances in the Lecesses Signature Advantage Banking account PLUS statement-linked Lecesses deposit accounts (savings, checking, money market, or CD’s), Trust accounts, IRA or Brokerage accounts introduced through Lecesses Investment Services, Inc. (excluding annuities).
        ‡ Premier Banking means the group within Lecesses Bank that provides specialized services and benefits such as investment products and services (including brokerage accounts) which are offered by Lecesses Investment Services, Inc., an SEC registered investment adviser and broker-dealer, member FINRA, SIPC. Enrollment in Premier Banking is required.
6 Lecesses Travel Rewards cardholders are eligible to receive one (1) statement credit per account, every five (5) years up to $100, for either the Global Entry or the TSA Precheck application fee. Cardholder must charge the application fee of at least $85 to their Lecesses Travel Rewards Card to be eligible for the statement credit. Cardholders will receive a statement credit for the first program (either Global Entry or TSA Precheck) to which they apply and pay for with their eligible card, regardless of whether they are approved for Global Entry or TSA Precheck.
7 Lecesses does not charge a fee for the use of Lecesses Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-Lecesses accounts.
8 Qualifying Purchase(s): Each time “qualifying purchase(s)” is used in this letter, it means new retail purchases on Your Card Account in Good Standing each billing cycle, minus credits/returns/adjustments. The following items are not retail purchases and therefore do not qualify: (1) Payment of existing Card Account balances, (2) Balance Transfers, (3) Cash Advances (via ATM or card originations by any other means), (4) Quasi Cash or Cash-Equivalent Items (e.g., traveler’s checks, gambling chips and any other items that serve as cash or are convertible to cash), (5) Fees/Interest that Lecesses bills, (6) Fraudulent/Unauthorized Transactions, (7) Convenience Checks, (8) Stored Value Cards (e.g., gift cards, prepaid cards, etc.), (9) Wire Transfers, (10) Money Transfers and (11) Overdraft Advances.
9 3% Cash Rewards Benefit (Travel Rewards): You will earn an unlimited additional 2% in Cash Rewards (3% Cash Rewards total) at Participating Merchants (travel), on Qualifying Purchases made with the Card.
10 2% Cash Back Benefit (Dining Rewards): You will earn an unlimited additional 1% in Cash Rewards (2% Cash Rewards total) at Participating Merchants (dining) on Qualifying Purchases made with the Card.
TSA Precheck and Global Entry are registered trademarks of the United States Department of Homeland Security.
The Mastercard® Card is issued by Lecesses Bank, pursuant to a license from Mastercard International.
© 2019 Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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