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  Keesler Federal Credit Union Visa Classic Card
Keesler Federal Credit Union Visa Classic Card
in Credit Cards from Keesler Federal Credit Union
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Keesler Federal Credit Union Visa Classic Card

Unaffiliated
in Credit Cards from Keesler Federal Credit Union
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Highlights
Purchase APR  (Variable APR) 7.50% - 18%
(Verified 12/23/2022)
Balance Transfer APR  (Variable APR) 7.50% - 18%
(Verified 12/23/2022)
Credit Score Range 600 - 850
Annual Fee $0

Keesler Federal Credit Union Visa Classic Card Review

This is a card issued by Keesler Federal Credit Union. If you're wondering whether Keesler Federal Credit Union Visa Classic Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Keesler Federal Credit Union Visa Classic Card has a variable purchase APR that ranges from 7.50% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Keesler Federal Credit Union Visa Classic Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Keesler Federal Credit Union Visa Classic Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Keesler Federal Credit Union Visa Classic Card FAQ

Does Keesler Federal Credit Union Visa Classic Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Keesler Federal Credit Union Visa Classic Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Reports to major credit bureaus

What are the relevant APRs for Keesler Federal Credit Union Visa Classic Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Keesler Federal Credit Union Visa Classic Card has a variable purchase APR that ranges from 7.50% up to 18%. The card has a variable balance transfer APR that ranges from 7.50% up to 18%. It also has a variable cash advance APR that ranges from 7.50% up to 18%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Keesler Federal Credit Union Visa Classic Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of up to 12 months.

Keesler Federal Credit Union Visa Classic Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0
Balance Transfer Introductory APR 1.99
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 7.50% - 18%
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0

Does Keesler Federal Credit Union Visa Classic Card have an intro APR offer on new purchases?

Keesler Federal Credit Union Visa Classic Card Purchase Intro Offer
Description
Introductory Rate 1.99
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 12 months.

What are the fees for Keesler Federal Credit Union Visa Classic Card?

The following fees apply:

Keesler Federal Credit Union Visa Classic Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Keesler Federal Credit Union Visa Classic Card have a foreign transaction fee?

Keesler Federal Credit Union Visa Classic Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Keesler Federal Credit Union Visa Classic Card?

The Keesler Federal Credit Union Visa Classic Card customer service number is (888) 533-7537.

What is the support contact email for Keesler Federal Credit Union Visa Classic Card?

The support contact email for Keesler Federal Credit Union Visa Classic Card is info@kfcu.org.

What is the Keesler Federal Credit Union Visa Classic Card login page?

You can access the Keesler Federal Credit Union Visa Classic Card login page here.

How do people rate the customer service and user experience of Keesler Federal Credit Union Visa Classic Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Keesler Federal Credit Union Visa Classic Card report your account activity to credit bureaus?

Yes, Keesler Federal Credit Union Visa Classic Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Keesler Federal Credit Union Visa Classic Card

  • Visit the Keesler Federal Credit Union Visa Classic Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 5:00am - 7:00pm
  • Tuesday 5:00am - 7:00pm
  • Wednesday 5:00am - 7:00pm
  • Thursday 5:00am - 7:00pm
  • Friday 5:00am - 7:00pm
  • Saturday 8:00am - 1:00pm

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 1.99
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum 5
Minimum Cash Advance Fee ($) Starting at 5
Foreign Currency Transaction Fee 1
No Annual Fee
Annual Fee $0
Minimum Interest Charge 0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to 25
Paper Statement Fee 2
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
Rewards Type No Rewards
Cash Advance APR (Variable APR) 7.50% - 18%
APR Type Variable APR
Balance Computation Average Daily Balance (including new purchases)
Credit Limit Up to 25,000
Penalty APR (Variable APR) 0
Purchase APR (Variable APR) 7.50% - 18%
(Verified 12/23/2022)
Balance Transfer Fee % After Intro Period 0
Balance Transfer Introductory APR (Variable APR) 1.99
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 7.50% - 18%
(Verified 12/23/2022)
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Low Interest
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.