The Bank of Lake Mills Fair Credit is a personal credit card from Bank of Lake Mills. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% - 26.99% variable after a 0% on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of 640 or higher. Rewards: 1% cash back on all net purchases; cash rewards never expire. Cash back: 1%. Typical credit limit: $1,000-$20,000.