Last Updated: 07/28/2025
KeyPoint Visa Platinum Cash Rewards
Unaffiliated
in Credit Cards from KeyPoint Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.74% - 26.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.74% - 26.74%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
KeyPoint Visa Platinum Cash Rewards Review
This is a cashback credit card issued by KeyPoint Credit Union. If you're wondering whether KeyPoint Visa Platinum Cash Rewards is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 9 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.74% up to 26.74%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 2% balance transfer fee. KeyPoint Visa Platinum Cash Rewards 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, purchase security, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of keypoint visa platinum cash rewards
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keypoint visa platinum cash rewards FAQ
Does keypoint visa platinum cash rewards have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does keypoint visa platinum cash rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does keypoint visa platinum cash rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the keypoint visa platinum cash rewards benefits?
KeyPoint Visa Platinum Cash Rewards provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for keypoint visa platinum cash rewards?
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 Cash Rewards has a variable purchase APR that ranges from 17.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 17.74% up to 26.74%. It also has a variable cash advance APR that ranges from 17.74% up to 26.74%.
Does keypoint visa platinum cash rewards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does keypoint visa platinum cash rewards have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 9 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 9 months.
What are the fees for keypoint visa platinum cash rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $26 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 cashback card.
Does keypoint visa platinum cash rewards 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 cash rewards?
The customer service number for keypoint visa platinum cash rewards is (888) 255-3637.
What is the support contact email for keypoint visa platinum cash rewards?
The support contact email for keypoint visa platinum cash rewards is info@kpcu.com.
What is the login page for keypoint visa platinum cash rewards?
You can access the login page of keypoint visa platinum cash rewards here.
How do people rate the customer service and user experience of keypoint visa platinum cash rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does KeyPoint Visa Platinum Cash Rewards report your account activity to credit bureaus?
Yes, KeyPoint Visa Platinum Cash Rewards 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 cash rewards 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 cash rewards
- Visit the website of keypoint visa platinum cash rewards.
- 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.
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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