Last Updated: 04/18/2025
Lake Trust Credit Union Platinum Elite Visa
Unaffiliated
in Credit Cards from Lake Trust Credit Union
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
12.40% - 19.40%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.40% - 22.40%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Lake Trust Credit Union Platinum Elite Visa Review
This is a card issued by Lake Trust Credit Union. If you're wondering whether Lake Trust Credit Union Platinum Elite Visa is the right card for you, read on.
Key Takeaways
- APRs: Lake Trust Credit Union Platinum Elite Visa has a variable regular purchase APR that ranges from 12.40% up to 19.40%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, purchase security, travel accident insurance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Lake Trust Credit Union Platinum Elite Visa
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Lake Trust Credit Union Platinum Elite Visa FAQ
Does Lake Trust Credit Union Platinum Elite Visa have a cash back or rewards program?
No, it does not offer a rewards program. This card features rewards for purchases in the following categories:
- Software, Hardware, Cloud
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Lake Trust Credit Union Platinum Elite Visa?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Lake Trust Credit Union Platinum Elite Visa has a variable purchase APR that ranges from 12.40% up to 19.40%. The card has a variable balance transfer APR that ranges from 15.40% up to 22.40%. It also has a variable cash advance APR that ranges from 15.40% up to 22.40%.
Does Lake Trust Credit Union Platinum Elite 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 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 Visa?
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| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Lake Trust Credit Union Platinum Elite Visa?
The customer service number for Lake Trust Credit Union Platinum Elite Visa is (888) 267-7200.
What is the support contact email for Lake Trust Credit Union Platinum Elite Visa?
The support contact email for Lake Trust Credit Union Platinum Elite Visa is laketrust@laketrust.org.
What is the login page for Lake Trust Credit Union Platinum Elite Visa?
You can access the login page of Lake Trust Credit Union Platinum Elite Visa here.
How do people rate the customer service and user experience of Lake Trust Credit Union Platinum Elite 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 Visa report your account activity to credit bureaus?
Yes, Lake Trust Credit Union Platinum Elite Visa reports to the following credit bureaus:
- 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 build your credit.
Does Lake Trust Credit Union perform a hard credit pull?
Yes, Lake Trust Credit Union Platinum Elite Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Lake Trust Credit Union Platinum Elite Visa
- Visit the website of Lake Trust Credit Union Platinum Elite Visa.
- 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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