Spend, save, and consolidate debt.
Tackle debt and finance big purchases with one of the lowest credit card interest rates in the country.
A credit card for your big goals.
Our Prime Platinum Visa is a Swiss army knife for your financial goals. A low interest rate, plus no surprise fees, makes it easy to consolidate other high-interest balances and cover major expenses.
Low interest
Want stress-free spending? Prime Platinum is one of the nation’s lowest interest credit cards.
No surprises
What you see is what you get: no teaser rates, balance transfer fees, or annual fee.
Peace of mind
With free, 24/7, zero-liability fraud protection, your money's in good hands here.
A more confident credit card.
- Consistently low interest rates with no promotional surprises.
- No balance transfer fees or annual fees.
- Secure account access online or on your phone.
- Free, 24/7, zero-liability fraud protection.
Meet your new “ol’ reliable.”
Our Prime Platinum Visa is more than a credit card: it’s a flexible tool for financial wellness. Beyond everyday spending, it’s also a great choice for big-time purchases and debt consolidation.
Prime Platinum’s low interest rate makes it easy to transfer other, higher‑interest credit card balances into one predictable, low‑interest payment — without any pesky balance transfer fees or short‑term promotional pricing.
Home repairs, family vacations, other major purchases: with Prime Platinum’s low credit card interest rate, you can comfortably pay off all those big-ticket items at a more manageable pace.
A low interest rate is just the beginning. Prime Platinum cardholders can also enjoy:
- Credit lines up to $25,000.
- Free, zero-liability fraud protection.
- Free rental car insurance.
- Optional credit life and credit disability coverage. Learn more.
Prime Platinum FAQs
Yes! If you’re looking for a credit card that can help you live debt free, our Prime Platinum is designed with consistently low interest rates and no balance transfer fees, making it a strong option for consolidating higher‑interest debt into one manageable balance.
Absolutely! Prime Platinum is well‑suited for larger expenses that may take time to pay off, thanks to its predictable terms and consistently low interest rates that aren’t tied to short‑term promotions.
LMCU’s two credit cards each have unique specialties. Prime Platinum keeps interest costs low and predictable, making it ideal for cardholders who tend to carry balances or use their card for financing larger purchases. Max Rewards is designed to help cardholders who routinely pay their balances in full steadily earn cash back.
If your debit or credit card is lost or stolen, please report it immediately to prevent unauthorized use.
Contact our 24/7, toll-Free number for lost or stolen cards: (866) 304-8684.
A new card will be ordered and should arrive by mail in about 7–10 business days.
If an incorrect or unauthorized transaction posts to your account, you can file a dispute through Online Banking, give us a call at (800) 242-9790, or stop by any LMCU branch.
Maximize your LMCU membership.
Disclosures
Rate as of 9/11/2026. Rates are variable and subject to change after account opening. Lowest rate featured based on credit score of 760. Rates range from 9.75% - 18.00% APR, dependent on evaluation of credit history. Contact LMCU for details. Cash advance fee: 3% of cash advance. International transaction fee: 1% of transaction. Late payment fee up to $25. Subject to credit approval and income qualification.
