5 Things to Know About the Langley FCU Signature Cash Back Visa Card

The card offers rewards and benefits comparable to top 5% cash-back earning options on the market.

Written by

Funto Omojola
Lead Writer & Content Strategist
8 years of experience
Expertise

• Credit cards

Funto Omojola is a lead writer and content strategist on the credit cards team. Funto started writing for NerdWallet in 2020 and also has writing featured in MarketWatch, Yahoo Finance, Realtor.com, New York Post and Nasdaq, among others. Funto lives in Brooklyn, New York.

Edited by

Paul Soucy
Director of Content
34 years of experience
Expertise

• Credit cards
• credit scoring
• personal finance

Paul Soucy has led the Credit Cards content team at NerdWallet since 2015 and the Travel Rewards team since 2023 and has served as content director since 2024. He was an editor with USA Today, The Des Moines Register and the Meredith/Better Homes and Gardens family of magazines for more than 20 years. He also built a successful freelance writing and editing practice with a focus on business and personal finance. He was editor of the USA Today Weekly International Edition for six years and received the highest award from ACES: The Society for Editing. He has a bachelor's degree in journalism and a Master of Business Administration. He lives in Des Moines, Iowa, with his wife, Sarah; his two sons; and a dog named Sam.

1. The rewards are customizable

The Langley Signature Cash Back Visa card earns the following:

• 5% cash back in a spending category you choose from a list of eligible options, for up to $100 in bonus rewards per month.
• 3% back on gas and EV charging.
• 2% back on groceries and wholesale clubs.
• 1% back on everything else.

Langley has not published a list of the categories eligible for 5% cash back, nor has it specified whether that list is fixed or changes periodically. Unconfirmed posts in 2026 on Reddit and other forums from people claiming to be cardholders have identified these as categories: Amazon; automotive services; department stores; dining; electronics stores; gas and EV charging; groceries and wholesale; Lowe’s and Home Depot; streaming services; and Walmart and Target.

According to the credit union’s website, cardholders must select their 5% category by 5 p.m. Eastern time on the last day of the month. You can change your category once a month.

The ability to select a new 5% category every month makes the card a flexible and valuable option. It has advantages over other cards in the 5% space in terms of category selection, the degree of control you have over the categories, and the amount of spending eligible for the 5%. The $100-per-month cap on bonus rewards means you can spend up to $2,000 in your category each billing cycle before you hit it.

2. The redemption process is straightforward

Rewards earned with the Langley Signature Cash Back Visa are automatically deposited in your Langley savings account and shown on your statement each month. For those who value simplicity, this process is super-low maintenance.

3. There's a generous introductory offer

As of July 2026, new applicants were eligible to earn a $200 rebate directly into their savings account when they spent $3,000 or more within the first 90 days of account opening. The bonus amount is on par with what similar cash back cards on the market offer, although the spending requirement is higher.

4. You get useful purchase and travel protections

In addition to the card’s ongoing rewards, cardholders have access to the following benefits:

• Baggage delay reimbursement: This coverage reimburses you for essential items you purchase if your checked baggage is delayed or misdirected. You can receive $100 for every day your bag is delayed, for a maximum of three days.
• Travel accident insurance: This provides up to $1 million in accidental death and dismemberment insurance for incidents while you travel. Coverage applies when you pay for your air, ferry, cruise ship, train, bus or other eligible transportation with your card.
• Porch piracy protection: Also often referred to as purchase protection, this covers stolen items within the first 90 days after purchase. This protection can replace or reimburse the stolen item up to a $10,000 maximum per claim and $50,000 maximum per cardholder.
• Trip cancellation/trip interruption: Should you have to miss or cancel a portion of your trip, this protection can reimburse you, up to $2,000 per trip, for the non-refundable cost of your fare. Coverage applies to air travel and other forms of eligible transportation, like ferry, train, bus or cruise ship fares as well.
• Travel and emergency services: Cardholders, their spouses and legal dependents under age 22 have access to a multilingual call center year-round while traveling in the United States and abroad. Services include emergency transportation, medical and legal referrals and more.

5. There's a fixed APR

The Langley Signature Cash Back Visa has a fixed APR of 18%, which is the active maximum allowed by the National Credit Union Administration until September 2027. By comparison, the average APR for credit card accounts that were assessed interest was 22.15% as of May 2026, according to data from the Federal Reserve.