Last Updated: 07/28/2025
KeyPoint Visa Platinum
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.74% - 23.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.74% - 23.74%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
KeyPoint Visa Platinum Review
This is a card issued by KeyPoint Credit Union. If you're wondering whether KeyPoint Visa Platinum 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.
- APRs: KeyPoint Visa Platinum has a variable regular purchase APR that ranges from 14.74% up to 23.74%.
- 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.
- A 2% balance transfer fee. KeyPoint Visa Platinum charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
Pros & Cons of keypoint visa platinum
| The Good | The Bad |
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keypoint visa platinum FAQ
Does keypoint visa platinum have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for keypoint visa platinum?
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 Platinum has a variable purchase APR that ranges from 14.74% up to 23.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 23.74%. It also has a variable cash advance APR that ranges from 14.74% up to 23.74%.
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 platinum 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 | 14.74% - 23.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 16 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does keypoint visa platinum 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 platinum?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $26 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual 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.
Does keypoint visa platinum have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for keypoint visa platinum?
The customer service number for keypoint visa platinum is (888) 255-3637.
What is the support contact email for keypoint visa platinum?
The support contact email for keypoint visa platinum is info@kpcu.com.
How do people rate the customer service and user experience of keypoint visa platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does KeyPoint Visa Platinum report your account activity to credit bureaus?
Yes, KeyPoint Visa Platinum 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 platinum 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 platinum
- Visit the website of keypoint visa platinum.
- 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
Other Services by KeyPoint Credit Union
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Other Credit Cards from KeyPoint Credit Union
Rating not yet determined
Purchase APR
20.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
20.74% - 26.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
17.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
17.74% - 26.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
14.74% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
14.74% - 23.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
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KeyPoint Visa Platinum Community Reviews
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