KeyPoint Visa Classic

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% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 16 months, which is longer than the average 0% APR period of 12 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable 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
0% APR balance transfer intro rate on balance transfers for up to 16 months. No balance transfer fee. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. KeyPoint Visa Classic reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

keypoint visa classic FAQ

Does keypoint visa classic have a cash back or rewards program?

No, it does not offer a rewards program.

What are the keypoint visa classic benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher 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.

What are the fees for keypoint visa classic?

The following fees apply:

KeyPoint Visa Classic Fees

Description
Cash Advance Fee (%)	3%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $26
Late Fee Amount	Up to $7

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

Does KeyPoint Visa Classic report your account activity to credit bureaus?

Yes, KeyPoint Visa Classic 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 keypoint visa classic

• Visit the keypoint visa classic 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.