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  Lake Michigan Credit Union Max Rewards Visa Credit Card

Lake Michigan Credit Union Max Rewards Visa Credit Card

in Personal Credit Cards from Lake Michigan Credit Union

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Lake Michigan Credit Union Max Rewards Visa Credit Card

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in Personal Credit Cards from Lake Michigan Credit Union

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Highlights
Purchase APR  (Variable APR) 10% - 17.75%
Balance Transfer APR  (Variable APR) 10% - 17.75%
Credit Score Range 650 - 850
Annual Fee $0

Lake Michigan Credit Union Max Rewards Visa Credit Card Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Lake Michigan Credit Union Max Rewards Visa Credit Card has a variable purchase APR that ranges from 10% up to 17.75%.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Lake Michigan Credit Union Max Rewards Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Lake Michigan Credit Union Max Rewards Visa Credit Card is accepted.
  • Lake Michigan Credit Union Max Rewards Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
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.

Lake Michigan Credit Union Max Rewards Visa Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 10% up to 17.75%. The card has a variable balance transfer APR that ranges from 10% up to 17.75%. It also has a variable cash advance APR that ranges from 10% up to 17.75%. 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.
Lake Michigan Credit Union Max Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $25
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee $15 - $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.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Cash Advance Fee (%) Starting at 3%
Foreign Currency Transaction Fee 1%
Over-Limit Fee $25
Returned Payment Fee Up to $25
Late Fee Amount $15 - $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Rates
  • Car Rentals
  • Gas
  • Groceries
  • Restaurants
  • Every Purchase
Cash Advance APR (Variable APR) 10% - 17.75%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 10% - 17.75%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Variable APR) 10% - 17.75%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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