Skip to content
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 with no spending limits, no categories to track, and no annual fee.

Apply Now View Card Highlights
3% cash back

3% cash back on all purchases for 15 months with direct deposit,¹ unlimited 2% cash back after intro period

0% Intro APR

0% Intro APR² for the first 15 months³

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

3% cash back

3% cash back on all purchases for 15 months with direct deposit,¹ unlimited 2% cash back after intro period

0% Intro APR

0% Intro APR² for the first 15 months³

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

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

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. - Earn 3% cash back on all purchases for the first 15 months from the date of account opening. After that, you will earn 2% cash back on all purchases. Offer is only valid for new cards and if member has direct deposit with Leaders. Credit card and direct deposit must be associated with the same membership.

2. - APR=Annual Percentage Rate, the cost of your credit as a yearly rate. 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 3% or $10 whichever is greater will be applied. However, during the introductory period for the above stated Leaders credit card, the transfer fee will be 5% or $10, whichever is greater. 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. Penalty APR is 27.99%.

3. - The 0% introductory APR is valid for the first 15 months from the date of account opening. To be eligible, member cannot have opened another Compass Rewards or Compass Black card within the last 36 months and receive 0% for 15 months. However, you will be eligible for the 3% cash back for 15 months.