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  Keys Federal Credit Union Visa Platinum

Keys Federal Credit Union Visa Platinum

in Personal Credit Cards from Keys Federal Credit Union

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Keys Federal Credit Union Visa Platinum

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in Personal Credit Cards from Keys Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 11.65% - 18%
Balance Transfer APR  (Variable APR) 9.65% - 17.65%
Credit Score Range 600 - 850
Annual Fee $0

Keys Federal Credit Union Visa Platinum Review

This is a credit card issued by Keys Federal Credit Union. If you're wondering whether Keys Federal Credit Union Visa Platinum is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Keys Federal Credit Union Visa Platinum has a variable purchase APR that ranges from 11.65% up to 18%.
  • 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.
  • 2% Balance transfer fee. Keys Federal Credit Union Visa Platinum charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Keys Federal Credit Union Visa Platinum
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.9%.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Keys Federal Credit Union Visa Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Charges a 2% balance transfer fee.
Keys Federal Credit Union Visa Platinum FAQ

Does Keys Federal Credit Union Visa Platinum have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Keys Federal Credit Union Visa Platinum benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Keys Federal Credit Union Visa Platinum?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.65% up to 18%. The card has a variable balance transfer APR that ranges from 9.65% up to 17.65%. It also has a variable cash advance APR that ranges from 11.65% up to 18%. Note that late payments are subject to an APR of 18% 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 Keys Federal Credit Union Visa Platinum have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.9% for a period of up to 6 months.

Keys Federal Credit Union Visa Platinum Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR 2.9%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.65% - 17.65%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%

Does Keys Federal Credit Union Visa Platinum have an intro APR offer on new purchases?

Keys Federal Credit Union Visa Platinum Purchase Intro Offer
Description
Introductory Rate 2.9%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 2.9% on qualified purchases for a period of up to 6 months.

What are the fees for Keys Federal Credit Union Visa Platinum?

The following fees apply:

Keys Federal Credit Union Visa Platinum Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee $25 - $35

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

Does Keys Federal Credit Union Visa Platinum have a foreign transaction fee?

Keys Federal Credit Union Visa Platinum charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Keys Federal Credit Union Visa Platinum?

The Keys Federal Credit Union Visa Platinum customer service number is (305) 294-6622.

Does Keys Federal Credit Union Visa Platinum report your account activity to credit bureaus?

Yes, Keys Federal Credit Union Visa Platinum 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 Keys Federal Credit Union Visa Platinum

  • Visit the Keys Federal Credit Union Visa Platinum 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 48:00pm - 18:00pm
  • Tuesday 48:00pm - 18:00pm
  • Wednesday 48:00pm - 18:00pm
  • Thursday 48:00pm - 18:00pm
  • Friday 48:00pm - 28:00pm
  • Saturday 58:00pm - 10:00am

Other Services by Keys Federal Credit Union

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View all personal credit cards offered by Keys Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 2.9%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) $10 - $999
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount $25 - $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 11.65% - 18%
Balance Computation "average daily balance” (including new purchases)
Credit Limit $1,000 - $50,000
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 11.65% - 18%
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR (Variable APR) 2.9%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.65% - 17.65%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%

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