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The Max Rewards Visa card by Lake Michigan Credit Union is a simple, low-cost cash back card.
It offers 3% cash back at gas stations, with 2% back at grocery stores and restaurants. 1% cash back is awarded for all other purchases.
The APRs on this card are quite a bit lower than average, starting as low as 12.25% Variable. But the rates you get will depend on your creditworthiness, so they could be higher.
There’s no fee for balance transfers, and no annual fee.