Last Updated: 07/28/2025
KEMBA Financial Credit Union Platinum Rewards Visa
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
7.99% - 13.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
7.99% - 13.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
KEMBA Financial Credit Union Platinum Rewards Visa Review
This is a rewards card issued by KEMBA Financial Credit Union. If you're wondering whether KEMBA Financial Credit Union Platinum Rewards Visa is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
- APRs: KEMBA Financial Credit Union Platinum Rewards Visa has a variable regular purchase APR that ranges from 7.99% up to 13.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , 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 up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of KEMBA Financial Credit Union Platinum Rewards Visa
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KEMBA Financial Credit Union Platinum Rewards Visa FAQ
Does KEMBA Financial Credit Union Platinum Rewards Visa have a cash back or rewards program?
KEMBA Financial Credit Union Platinum Rewards Visa is a rewards card.
| Description |
Does KEMBA Financial Credit Union Platinum Rewards Visa have a signup bonus?
This card doesn't offer a cash signup bonus.Does KEMBA Financial Credit Union Platinum Rewards Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the KEMBA Financial Credit Union Platinum Rewards Visa benefits?
KEMBA Financial Credit Union Platinum Rewards Visa provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for KEMBA Financial Credit Union Platinum Rewards Visa?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.KEMBA Financial Credit Union Platinum Rewards Visa has a variable purchase APR that ranges from 7.99% up to 13.99%. The card has a variable balance transfer APR that ranges from 7.99% up to 13.99%. It also has a variable cash advance APR starting at 16.99% .
Note that late payments are subject to an APR of 21.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does KEMBA Financial Credit Union Platinum Rewards Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 7.99% - 13.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does KEMBA Financial Credit Union Platinum Rewards Visa have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases
What are the fees for KEMBA Financial Credit Union Platinum Rewards Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does KEMBA Financial Credit Union Platinum Rewards Visa have a foreign transaction fee?
KEMBA Financial Credit Union Platinum Rewards Visa charges a foreign transaction fee of up to 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 KEMBA Financial Credit Union Platinum Rewards Visa?
The customer service number for KEMBA Financial Credit Union Platinum Rewards Visa is (614) 235-2395.
What is the support contact email for KEMBA Financial Credit Union Platinum Rewards Visa?
The support contact email for KEMBA Financial Credit Union Platinum Rewards Visa is service@kemba.org.
How do people rate the customer service and user experience of KEMBA Financial Credit Union Platinum Rewards Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does KEMBA Financial Credit Union Platinum Rewards Visa report your account activity to credit bureaus?
Yes, KEMBA Financial Credit Union Platinum Rewards Visa reports to the following credit bureaus:
- 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 build your credit.
Does KEMBA Financial Credit Union perform a hard credit pull?
Yes, KEMBA Financial Credit Union Platinum Rewards Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for KEMBA Financial Credit Union Platinum Rewards Visa
- Visit the website of KEMBA Financial Credit Union Platinum Rewards Visa.
- 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.
Hours of Operation
Sunday
Closed
Monday
5:00AM - 3:00AM
Tuesday
5:00AM - 3:00AM
Wednesday
5:00AM - 3:00AM
Thursday
5:00AM - 3:00AM
Friday
5:00AM - 3:00AM
Saturday
5:00AM - 10:00AM
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