Last Updated: 04/18/2025
KeyPoint Visa Classic
Unaffiliated
in Credit Cards from KeyPoint Credit Union
Last Updated: 04/18/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
20.74% - 26.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
20.74% - 26.74%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
KeyPoint Visa Classic Review
This is a card issued by KeyPoint Credit Union. If you're wondering whether KeyPoint Visa Classic 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 16 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.74% up to 26.74%.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
Pros & Cons of keypoint visa classic
| The Good | The Bad |
|
|
keypoint visa classic FAQ
Does keypoint visa classic have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for keypoint visa classic?
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.KeyPoint Visa Classic has a variable purchase APR that ranges from 20.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 20.74% up to 26.74%. It also has a variable cash advance APR that ranges from 20.74% up to 26.74%.
Note that late payments are subject to an APR of 20.74% 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 keypoint visa classic have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 16 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 20.74% - 26.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 16 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does keypoint visa classic have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for keypoint visa classic?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $26 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for keypoint visa classic?
The customer service number for keypoint visa classic is (888) 255-3637.
What is the support contact email for keypoint visa classic?
The support contact email for keypoint visa classic is info@kpcu.com.
What is the login page for keypoint visa classic?
You can access the login page of keypoint visa classic here.
How do people rate the customer service and user experience of keypoint visa classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does KeyPoint Visa Classic report your account activity to credit bureaus?
Yes, KeyPoint Visa Classic 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 KeyPoint Credit Union perform a hard credit pull?
Yes, keypoint visa classic 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 keypoint visa classic
- Visit the website of keypoint visa classic.
- 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
9:00AM - 5:00PM
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
9:00AM - 6:00PM
Friday
9:30AM - 2:00PM
Saturday
9:30AM - 2:00PM