First National Legacy Credit Card Review, Application and Login Details [Updated]

Guide on First National Legacy Credit Card Review

Legacy Credit Card is unsecured credit card purposed for people with bad credit. In case you have a low credit score, you might make use of First national Legacy Credit Card. Legacy Visa Credit Card is issued to customers by First National Bank.

As it was mentioned, it is not a secure or unsecured credit card, therefore you don’t need to make an advance deposit before you use the card. This card is a visa credit card, you can use it in many merchants in the United State of America, even around the world.

You will enjoy or get benefits from using the credit card, but before you do you need to pay a monthly fee. In as much as you can do this, you will become a member of premium club membership.

Features and Benefits of Legacy CC

One thing that stands out about Legacy Visa, this is the rewards program. Through the card’s premium club, participating cardholders can get discounts on dining, hotels, entertainment, rental cars, and prescriptions.

Meanwhile, the rewards program comes at a price. To join the premium club, cardholders must pay a monthly fee of $4.95. If you do not travel very often and you do not fill many prescriptions, the premium club might not be worth the monthly cost.

The Legacy Visa card also offers a payment protection plan that will post your minimum payment in the event you can’t cover it due to an emergency.

The plan costs 89 cents per $100 of your monthly balance. It only applies in cases involving unemployment, military service, disability, jury duty, hospitalization, or family leave under federal or state law.

The card issuer will cover your monthly minimum payment up to $5,000. To qualify, you must have been enrolled in the payment protection plan for a minimum of 30 days. You can only file one claim every 120 days.

Additional benefits worth noting, include:

====> No initial deposit is required

====> Offers the ability to build credit

====> Because this card is designed to help build credit, it is relatively easy to be accepted

Pros and Cons of the Legacy Credit Card App

Though this card is an unsecured credit card, I am very sure Legacy Visa Credit Card has some benefits that will make your decides to apply for it. In other not to waste our time, we will quickly run through the Pros and Cons of using First National Legacy Credit Card

Guide on First National Legacy Visa Card

Pros of Legacy Credit Visa Card

====> You will get approved as soon as you apply for Legacy Credit Visa Card because it only needs few or low credit score.

====> With the card’s payment protection plan, you can miss your monthly payment as long as you have a qualifying emergency. The payment protection plan costs 89 cents for every $100 of your monthly balance and maxes out at $5,000.

====> You will enjoy reward program associated with the use of the card, this is not like other credit cards with bad credit

====> You may qualify for a credit limit up to $1500, provide you are an active user of Legacy Credit Card

====> The Legacy Visa offers easy online account management at no extra charge. You can view your statement and sign up for automatic payments.

Cons of First National Legacy Credit Visa Card

====> The card comes with a very high-interest rate which is about 29.9%, this is very high compare to other credit cards

====> The Legacy Visa comes with its fair share of fees. There’s a $25 fee for late or returned payments, as well as a $20 fee to add an authorized user.

====> The annual fee for Legacy Credit Visa Card is a bit higher than other credit cards. You will have to pay around $ 75 per year.

Guide to Apply for the Legacy Visa Credit Card

Now that you have run through the pros and cons of Legacy Visa Credit Card, you have decided to apply for Legacy CreditCard. Though you will only apply through invitation, you cannot apply without getting mail. Now to cut the story short, we only assuming you have gotten your invitation code. Here is the complete guide to applying for the First National Credit Card.

Step 1 ====> You need to visit the official website First National Credit Card or copy and paste on your browser

Step 1 ====> Now click on the green button that says accept online

First National Legacy Credit Card login

Step 2 ====> Now enter your reservation number and click on accept offers

Step 3 ====> Then you will be redirected to where you need to enter your offer code. The First National calls this code a reservation number.

Step 4 ====> Once the system accepts your code, you will need to proceed with the application process. You will need to provide your details such as your name, address, date of birth, and income.

Step 5 ====> Once you have filled out the entire application, you can submit it online.

From there, First National will let you know if you have been approved and when you can expect to receive your credit card in the mail.

Legacy CreditCard Login Requirement

The following materials are needed to login to your account

====> You need your gadgets like your personal computer, smartphone and other material that can access the internet

====> Your login details (username and password)

====> You need internet service, active and very fast

====> The correct URL

====> The latest version of your browser

Login to Your Legacy Visa Card Account

Now, our next line of action is to log-in to your account. This aspect of the article will guide you through.

Step 1 ====> You need to visit the official website First National Credit Card or copy and paste on your browser

Step 2 ====> Now locate the login button and click on it

Step 3 ====> Then, you need to enter your login details, this includes your username and password. If you don’t have an account yet, click on register new user and complete your registration

Guide on First National Legacy Credit Visa Card

Step 4 ====> Finally, click on the login button

Legacy Credit Card App

Just like other credit apps, Legacy First National Bank developed app thereby accessing your account through the app. Here is the complete guide to download Legacy Credit Card App on your Android Smartphone.

Step 1 ====> Power ON your Smartphone and turn ON your internet connection

Step 2 ====> Launch Google Play store on your phone

Step 3 ====> On the search bar, typed in Legacy First National bank

Step 4 ====> Click on the app and download

Step 5 ====> After installation, launch the app

Step 6 ====> Now type in your login details, this is your username and password

Step 7 ====> Finally, click on the login button to login to your account

Why You Should Consider the Legacy Visa Credit Card?

While the biggest benefit of obtaining Legacy CC is the opportunity to build a credit standing when you have none at all. There are other benefits associating with you having First National credit cards (Legacy Visa Card).

Cardholders can use their cards to pay bills and make online purchases with retailers who accept Visa as a form of payment

Moreover, there are special services that can be purchased by cardholders when they use their card for travel expenses, including travel insurance.

Purchases can also be protected through the card, assuring that fraudulent charges are paid and damaged items are covered.

The cash reward program offered along with the Legacy Visa is $1 in cashback rewards for every $100 spent. There is no maximum so you can earn as much as you spend.

Legacy Credit Card Payment Process

Payment is the best you could enjoy through your credit card. Either online, shops or other means of payments.

Payments are made like any traditional credit card. Legacy will send you either a paper statement or preferably a paperless bill with a specified payment date.

In the instance that your monthly payment date does not suit your life, you can reach out to them and request a change of date.

As payments are made in a timely manner, your credit limit will be increased. Credit limit increases are a great way to build your financial freedom. This is the most important step in building back your credit.

Legacy Visa Minimum Payment

====> If your balance is greater than $30, the minimum payment will then be $30 or 4%, whichever is greater, or 1% of the balance plus late fees and interest.

====> If your balance is less than $30, the minimum payment is the full balance

Additional Fees

2% of the amount for cash advances (minimum $20)

$25 for returned payments

$25 for late payments

Annual Fees on Legacy CC

There are annual fees involved in using the cards, which will be charged to your card upon approval and acceptance of a credit card offer. These annual fees will renew each year on your account creation date. Currently, the rate is $75 per year, billed at $6.25 per month

Legacy Credit Card Payment

As a matter of fact, there are at least a few ways how you can make payments on this credit card. Obviously, the first and easiest way of paying for your Legacy card is doing so online. For that, you must log in to your credit card account online as explained in the article and pay it there.

Another way to pay your Legacy credit card is by mail. We recommend double-checking this address on the official website of the Legacy card. Currently, the address for mailing Legacy payments is the following one If you want to pay by mail, you can send your payment to the following address:

First National Credit Card

P O Box 2496

Omaha, NE 68103-2498

Who Should Consider the Legacy Visa Credit Card?

The Legacy Visa credit card is not for everyone. This card is specifically created for those who need to and have been turned down by other credit card companies for lack of credit or past credit problems.

If you are looking for a card that will give you the privilege of being a cardholder, while allowing you to increase your creditworthiness, the Legacy Visa may be a good choice for you.

Who Is the Legacy Credit Card Not for?

Unless you are a big spender who plans on using the Legacy Visa premium club membership, you may want to search for other credit card offers.

This card is not for people who don’t pay off their balances each month. If you are looking for a card that you can use to cover moderate expenses and then pay off slowly over the coming months, this is not the right card.

Popular Post

First Premier Credit Card Review & Login Guide

Walmart Money Card Visa Review, Login

Brinks Prepaid MasterCard Review

Guide to Use Google Flights for Cheap Flights

PayPal Prepaid MasterCard Review


You are at the final stage on Legacy CreditCard, this article has covered a series of topics on First National Legacy Credit Visa Card. It was mentioned that the credit card is an unsecured card that you don’t need an advance deposit. It was also gathered that first National Bank is the one issued out the card to her customers. We also run through the pros and cons of legacy Credit Visa Card. We guided you through the registration process, login details and how to download the Legacy Visa Card app on your Android devices

You May Also Like

About the Author: Gadgetsright

Adeola (Jasper) is someone who loves everything about technology. He devoted to everything that is tech-related and tries his best to produce useful and quality articles about mobiles, computers and other related products.

Leave a Reply

error: Copy not allowed