The Bank of Lake Mills Visa Platinum Fair Credit is a personal credit card from Bank of Lake Mills Visa Platinum. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 13.99%-23.99% after a 0% introductory rate for 6 months. Approval typically requires a credit score of 640 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $1,000-$20,000.