Skip to content
Our Dyersburg and Union City branches will have a delayed opening at 9:30 a.m. this morning, Tuesday, Jan. 31. All other branches will open at normal time.
Stay safe and warm.
close
Compass Black

Earn Cash Back with Compass Black

Using your credit card should be rewarding. With the Compass Black VISA® Signature we’re leading the way to our most generous cash back offer.

Apply Now View Card Highlights

Compass Black VISA® Signature puts money in your wallet.

It’s time to get a credit card that works for you. Are you:
Wanting to consolidate your debt with a competitive interest rate?
Looking for a card that rewards you for using it?
In search of bigger rewards for your most common purchases?
Seeking a card that gives you options for how to receive your rewards?
Needing a simple credit card app to manage your account?
Apply For Compass Black
Compass Black
2% cash back

2% cash back on all purchases

0% Intro APR

0% Intro APR¹ for the first 15 months²

Redeem cash rewards

Redeem cash rewards as a statement credit or transfer to your Leaders account

Highlights

Compass Black

The rewarding credit card you want with fees you can afford.

Apply For Compass Black
No Annual Fee

No Annual Fee

Leaders Card Control App

Manage your card with the Leaders Card Control App

2% cash back

2% cash back on all purchases

0% Intro APR

0% Intro APR¹ for the first 15 months²

Redeem cash rewards

Redeem cash rewards as a statement credit or transfer to your Leaders account

No Annual Fee

No Annual Fee

Leaders Card Control App

Manage your card with the Leaders Card Control App

Open Your Account Today

Apply Now

Testimonials

What Our Members Are Saying About Leaders

Frequently Asked Questions About
Credit Cards

Yes. We have put the entire application online and you can complete it in just a few minutes.

Most approvals happen in less than 48 hours.

Yes. Credit unions are owned by members and you must join to be a member. The membership fee is a one-time charge of $25.

You have two options after you’ve earned cash back with a Leaders credit card. The first option is to use the rewards as a balance credit on your credit card. The second is to transfer the cash you’ve received into a Leaders checking or savings account.

Yes. As a credit union, we offer competitive interest rates and many of our cardholders have chosen to transfer their balances after getting a Leaders credit card.

Yes. Leaders cardholders can use the free Leaders Card Control App to view their account activity and balances, redeem rewards, and make payments.

Still have questions? Visit our Help Center.

Disclosures

1. - APR=Annual Percentage Rate, the cost of your credit as a yearly rate.

2. - As of Oct. 1, 2022, variable interest rates will be determined by creditworthiness and is indexed to WSJ Prime Rate plus 14.90%-20.90% for the Compass Black. A transfer fee of 2% or $10 whichever is greater will be applied. A cash advance fee of 3% or $10 whichever is greater will be applied. A foreign transaction fee of 1.00% of each transaction in U.S. dollars will be applied. At the end of the introductory period, the APR for all new and outstanding purchase transfer balances and cash advances will be a variable rate. The APY for Compass Black Visa® Signature credit cards are subject to credit application and approval. Not all applicants will qualify. Applicants under age 21 may require a co-applicant. Penalty APR is 27.99%.