Max Rewards vs. Prime Platinum

Which LMCU credit card is right for you?

Pick the right card for your goals: earn cash back with Max Rewards or keep interest low with Prime Platinum.

Two LMCU credit cards side by side for comparison

Two cards, one promise.

At LMCU, we equip you to achieve your financial goals.

If you want to earn cash back on everyday purchases, choose Max Rewards.

If you want the lowest possible rate, go with Prime Platinum.

Feature	Max Rewards Visa	Prime Platinum Visa
Feature
Best for	Earning cash back/points. Fueling up, getting groceries, and other everyday purchases Cardholders who pay off their balance in full each month Visa Signature card for credit limits higher than $5,000	Keeping interest low for cardholders who carry a balance. Consolidating debt. Financing bigger purchases.
Rewards	You’ll earn points on every purchase. Points can be redeemed for cash back, gift cards, travel vouchers, or merchandise. Earn 3% on gas and EV charging 2% on groceries and dining 1% on everything else¹	No rewards, as this credit card is focused on offering a low rate with no surprise fees.
Purchase APR²	13.50% – 18.00%	9.75% – 17.75%
Annual Fee	$0	$0
Balance Transfer	$0	$0
Protection	Free, 24/7, zero-liability fraud protection. Car rental insurance.	Free, 24/7, zero-liability fraud protection. Car rental insurance.
	Apply Now See Details	Apply Now See Details

Disclosures

Percentage cash back based on per dollar spent. 3% cash back on gas and EV charging capped at $500 per month and then 1% after maximum is reached. 2% cash back on groceries is unlimited. 2% on dining is unlimited (Max Rewards Visa Signature only). 1% on all other purchases is unlimited.

Rate as of 9/10/2026. Rates are variable and subject to change after account opening. Lowest rate featured based on credit score of 760. Rates can vary 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.