Credit Cards
Explore Lake Ridge Bank’s Visa credit cards, featuring competitive rates, no annual fees, rewarding points, and secure digital features to fit your lifestyle and spending habits.
Flexible Spending, Everyday Rewards
Lake Ridge Bank’s Visa® credit cards offer competitive rates, no annual fees, and smart features to help you manage spending and earn rewards—backed by local support you can trust.
No Annual Fees
Get all the perks without the extra cost.
Reward Points
Earn points on purchases and redeem for travel, cash back, gifts, and more.
Competitive Rates
Enjoy low intro rates and ongoing competitive APRs.
Card Customization
Pick a design that fits your style.
Digital Convenience
Manage your card with online access, mobile wallet, and fraud protection.
Local Support
Help from a team that knows you—no call center hassle.
Compare Account Options
| Signature Reward | Platinum Rewards | Forward Card | |
|---|---|---|---|
| Best For | Signature card holders will have a higher spending limit and earn even MORE rewards points. | Platinum is for the everyday spenders who are seeking flexibility and rewards. | Perfect for someone interested in a low fixed rate credit card and trying to build their credit. |
| Credit Limit | $5,000 | $2,000* | $500 |
| Rewards | Yes | Yes | No |
| Intro APR Offer | Spend $5,000 within 90 days of open date on qualified purchases and be rewarded with an additional 20,000 uChoose points.4 | 0% introductory APR on balance transfers and purchases for six months, and 13.25% APR thereafter.2 | 0% introductory APR on purchases and balance transfers for six months, and 14.75% APR thereafter. 3 |
| Annual Fee | $0 | $0 | $0 |
| Foreign Transaction Fees | No | 1% of each transaction in US Dollar | 1% of each transaction in US Dollar |
| Digital Pay | Yes | Yes | Yes |
| Card Control | Yes | Yes | Yes |
| Get Started | Apply Today | Apply Today | Apply Today |
Lost or Stolen Card? Traveling? Other Questions? Notify us immediately by calling (608) 223-3000 or (855) 256-7328. We are available: 8am–5:30 pm CST, Monday–Friday; 9am–12 pm CST, Saturday. Credit card after business hours: (855) 574-1510
To obtain a copy of your Credit Card Agreement, please email customersupport@lakeridge.bank and include your name, contact information and subject line ” VISA Agreement Request.” Or you can call us at (855) 256-7328.
1) Subject to credit approval. Transaction fees for this card may include: ATM fee–$2.50, Cash Advance–$10 or 3% of the amount of each advance, whichever is greater.
2) Subject to credit approval. Interest rate after promotional period will be 13.25%. This APR will vary with the market based on the Prime Rate. Transaction fees for this card may include: ATM fee–$2.50,Foreign transaction–1% of each transaction in US Dollars, Cash Advance–$10 or 3% of the amount of each advance, whichever is greater.
3) Subject to credit approval. Interest rate after promotional period will be 14.75% APR. This APR will vary with the market based on the Prime Rate. Transaction fees for this card may include: ATM fee–$2.50, Foreign transaction–1% of each transaction in US Dollars, Cash Advance–$10 or 3% of the amount of each advance, whichever is greater.
*$2,000 credit limit is recommended limit. Lower credit limits are available for this card type.
**** Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by VISA, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.VISA.com/security
Manage, Protect & Maximize Your Card
Card Control
Easily turn your card on or off, set spending limits, and receive instant alerts, all from your mobile device.
Fraud Protection
Get added peace of mind with real-time alerts, account monitoring, and fast tools to help stop fraud before it starts.
uChoose Rewards
Earn points every time you use your card and redeem them for travel, merchandise, gift cards, and more.
Digital Wallet
Tap to pay with your phone by linking your card to your favorite digital wallet services.
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Market Report: July 2026
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