Lake Michigan Credit Union Max Rewards Visa Credit Card
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| Purchase APR (Variable APR) |
14.25% - 18% (Verified 02/08/2023) |
| Balance Transfer APR (Variable APR) |
14.25% - 18% (Verified 02/08/2023) |
| Credit Score Range | 720 - 850 |
| Annual Fee | $0 |
Lake Michigan Credit Union Max Rewards Visa Credit Card Review
This is a rewards card issued by Lake Michigan Credit Union. If you're wondering whether Lake Michigan Credit Union Max Rewards Visa Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Lake Michigan Credit Union Max Rewards Visa Credit Card has a variable purchase APR that ranges from 14.25% up to 18%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 720.
Pros & Cons of Lake Michigan Credit Union Max Rewards Visa Credit Card
| The Good | The Bad |
|---|---|
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Lake Michigan Credit Union Max Rewards Visa Credit Card FAQ
Does Lake Michigan Credit Union Max Rewards Visa Credit Card have a cash back or rewards program?
Lake Michigan Credit Union Max Rewards Visa Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Lake Michigan Credit Union Max Rewards Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Lake Michigan Credit Union Max Rewards Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Lake Michigan Credit Union Max Rewards Visa Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Lake Michigan Credit Union Max Rewards Visa Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Lake Michigan Credit Union Max Rewards Visa Credit Card has a variable purchase APR that ranges from 14.25% up to 18%. The card has a variable balance transfer APR that ranges from 14.25% up to 18%. It also has a variable cash advance APR that ranges from 14.25% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Lake Michigan Credit Union Max Rewards Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Lake Michigan Credit Union Max Rewards Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Lake Michigan Credit Union Max Rewards Visa Credit Card?
The following fees apply:
- An overlimit fee of $25.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $25 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Lake Michigan Credit Union Max Rewards Visa Credit Card have a foreign transaction fee?
Lake Michigan Credit Union Max Rewards Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Lake Michigan Credit Union Max Rewards Visa Credit Card?
The Lake Michigan Credit Union Max Rewards Visa Credit Card customer service number is (800) 242-9790.
What is the support contact email for Lake Michigan Credit Union Max Rewards Visa Credit Card?
The support contact email for Lake Michigan Credit Union Max Rewards Visa Credit Card is communityrelations@lmcu.org.
What is the Lake Michigan Credit Union Max Rewards Visa Credit Card login page?
You can access the Lake Michigan Credit Union Max Rewards Visa Credit Card login page here.
How do people rate the customer service and user experience of Lake Michigan Credit Union Max Rewards Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Lake Michigan Credit Union Max Rewards Visa Credit Card report your account activity to credit bureaus?
Yes, Lake Michigan Credit Union Max Rewards Visa Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Lake Michigan Credit Union Max Rewards Visa Credit Card
- Visit the Lake Michigan Credit Union Max Rewards Visa Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
PO Box 2848
Grand Rapids, MI 49501 USA - (800) 242-9790
- Visit Site
- Email Support
Other Services by Lake Michigan Credit Union
Other Credit Cards by Lake Michigan Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee (%) | Starting at 3% |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $25 |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $25 |
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