Max Rewards Visa Credit Card

Make everyday spending more rewarding.

Earn 3% cash back on gas & EV charging, 2% on groceries & dining, and 1% on everything else.1

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Customer taps a Max Rewards credit card on payment terminal at checkout.

A simply rewarding credit card.

You’re busy, so you need a hassle-free card that rewards everyday spending. With a Max Rewards Visa as your daily driver, you’ll earn cash back at the pump, the store, and everywhere in between. 

Woman fueling her vehicle at a gas station.

Earn more.

Get points or cash back on things you already buy, plus 1,000 points on your first purchase. 

Husband and wife looking over bills and using laptop in kitchen.

Pay less.

Low interest rates that stay low — and no annual fee.  

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Rest easy.

Secure account access online or on your phone, with free, 24/7 fraud protection.   

Rates as low as
13.50
%
APR
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Cash back on every purchase.

With your Max Rewards credit card, you’ll earn: 

  • 3% cash back on gas and EV charging (first $500/month) 
  • 2% cash back on groceries 
  • 2% cash back on dining (Signature card only) 
  • 1% cash back on everything else 

Your rewards, your way.

LMCU’s Max Rewards Visa makes it easy to earn cash back — and even easier to use it. 

Your Max Rewards card earns points with every purchase, which you can redeem as:  

  • Cash back, in the form of a statement credit or deposit into your savings account. 
  • Travel or unique experiences. 
  • Gift cards or merchandise. 
  • A donation to one of more than 2,500 charities. 
Happy couple walking through Farmer's Market.

Better yet, you can streamline the redemption process altogether and use your points to conveniently pay for purchases you’re already making. 

  • Choose which transactions count. 
  • Make an eligible purchase. 
  • Get notified by text or email. 
  • Redeem instantly. 

 

Family sharing pizza at a casual dining table.
Happy couple walking through Farmer's Market.
Family sharing pizza at a casual dining table.
Two women friends walking and holding shopping bags.

Even more perks.

Max Rewards users can also enjoy: 

  • Free rental car insurance when you travel. 
  • Optional credit life and credit disability insurance. Learn more. 
  • Enhanced benefits and higher credit limits with a Max Rewards Visa Signature card. 
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Max Rewards FAQs

Every time you use your Max Rewards card, you’ll automatically earn points.  

You’ll earn 3 points per $1 spent on gas and EV charging, 2 points per $1 spent at grocery stores, and 1 point per $1 spent on everything else. Max Rewards Visa Signature cardholders also earn 2 points per $1 spent at restaurants.  

Points can then be redeemed for cash back and other rewards. 

Checking your points is quick and easy. You can find your balance on your monthly credit card statement, or at any point in LMCU Online Banking or our mobile app by clicking or tapping the “Rewards” link. 

You can redeem your credit card points for cash back, travel, or merchandise. Our exciting rewards catalogue spans everything from new sunglasses to hot air balloon rides and beyond! 

Visit the Rewards link in Online Banking or our mobile app to shop merchandise and book experiences. Or, if you want to get cash back, you can redeem it in 5,000-point increments (5,000 points = $50). Cash back can be deposited directly into an eligible account or applied to a loan balance. Cash back can be redeemed through Online Banking, our mobile app, at your nearest branch, or by calling Card Services at (800) 242-9790 x9737. 

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.

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Disclosures

Rates 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 range from 13.50% - 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.

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.