The Lake Michigan Credit Union Visa Platinum is a personal credit card from Lake Michigan Credit Union Visa Platinum. The annual fee is $0. The ongoing APR is 9.90% - 18.00% Variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: No rewards program. Typical credit limit: Up to $25,000. This product reports activity to your personal credit report. Great for balance transfers and purchases with no annual fee.