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  Lake Trust Credit Union Platinum Elite Rewards Visa
Lake Trust Credit Union Platinum Elite Rewards Visa Unaffiliated

Lake Trust Credit Union Platinum Elite Rewards Visa

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Highlights
Purchase APR  (Variable APR) 10.15% - 17.15%
Balance Transfer APR  (Variable APR) 13.15% - 20.15%
Credit Score Range 600 - 850
Annual Fee $0

Lake Trust Credit Union Platinum Elite Rewards Visa Review

This is a rewards credit card issued by Lake Trust Credit Union. If you're wondering whether Lake Trust Credit Union Platinum Elite Rewards Visa 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 Trust Credit Union Platinum Elite Rewards Visa has a variable purchase APR that ranges from 10.15% up to 17.15%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Lake Trust Credit Union Platinum Elite Rewards Visa
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Lake Trust Credit Union Platinum Elite Rewards Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
Lake Trust Credit Union Platinum Elite Rewards Visa FAQ

Does Lake Trust Credit Union Platinum Elite Rewards Visa have a cash back or rewards program?

Lake Trust Credit Union Platinum Elite Rewards Visa is a rewards card. This card features rewards for purchases in the following categories:

Lake Trust Credit Union Platinum Elite Rewards Visa Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Lake Trust Credit Union Platinum Elite Rewards Visa have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Lake Trust Credit Union Platinum Elite Rewards Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Lake Trust Credit Union Platinum Elite Rewards Visa benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Lake Trust Credit Union Platinum Elite Rewards Visa?

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 Trust Credit Union Platinum Elite Rewards Visa has a variable purchase APR that ranges from 10.15% up to 17.15%. The card has a variable balance transfer APR that ranges from 13.15% up to 20.15%. It also has a variable cash advance APR that ranges from 13.15% up to 20.15%.

Does Lake Trust Credit Union Platinum Elite Rewards Visa have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Lake Trust Credit Union Platinum Elite Rewards Visa 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 Trust Credit Union Platinum Elite Rewards Visa?

The following fees apply:

Lake Trust Credit Union Platinum Elite Rewards Visa Fees
Fees Amount
Annual Fee $0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

What is the support contact email for Lake Trust Credit Union Platinum Elite Rewards Visa?

The support contact email for Lake Trust Credit Union Platinum Elite Rewards Visa is laketrust@laketrust.org.

How do people rate the customer service and user experience of Lake Trust Credit Union Platinum Elite Rewards Visa?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Lake Trust Credit Union Platinum Elite Rewards Visa report your account activity to credit bureaus?

Yes, Lake Trust Credit Union Platinum Elite Rewards Visa 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 Trust Credit Union Platinum Elite Rewards Visa

  • Visit the Lake Trust Credit Union Platinum Elite Rewards Visa 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.

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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.

Contact

Other Services by Lake Trust Credit Union

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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
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
Cash Advance APR (Variable APR) 13.15% - 20.15%
Balance Computation average daily balance
Credit Limit Starting at $500
Purchase APR (Variable APR) 10.15% - 17.15%
Balance Transfer APR (Variable APR) 13.15% - 20.15%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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