Last Updated: 07/28/2025
KeyPoint Visa Platinum Rewards
Unaffiliated
in Credit Cards from KeyPoint Credit Union
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 Rewards Review
This is a rewards card issued by KeyPoint Credit Union. If you're wondering whether KeyPoint Visa Platinum Rewards 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 Rewards 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 rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 2% balance transfer fee. KeyPoint Visa Platinum 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, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
Pros & Cons of keypoint visa platinum rewards
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keypoint visa platinum rewards FAQ
Does keypoint visa platinum rewards have a cash back or rewards program?
keypoint visa platinum rewards is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does keypoint visa platinum rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does keypoint visa platinum rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the keypoint visa platinum rewards benefits?
KeyPoint Visa Platinum Rewards provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for keypoint visa platinum 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 Rewards 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 rewards 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 rewards 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 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 rewards card.
Does keypoint visa platinum 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 rewards?
The customer service number for keypoint visa platinum rewards is (888) 255-3637.
What is the support contact email for keypoint visa platinum rewards?
The support contact email for keypoint visa platinum rewards is info@kpcu.com.
What is the login page for keypoint visa platinum rewards?
You can access the login page of keypoint visa platinum rewards here.
How do people rate the customer service and user experience of keypoint visa platinum rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does KeyPoint Visa Platinum Rewards report your account activity to credit bureaus?
Yes, KeyPoint Visa Platinum 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 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 rewards
- Visit the website of keypoint visa platinum 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