Keys Federal Credit Union Visa Platinum

Keys Federal Credit Union Visa Platinum Review

This is a 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.

Key Takeaways

• Competitive APRs. Keys Federal Credit Union Visa Platinum has a variable purchase APR that ranges from 11.15% 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 odds if your credit score is above 600.

Pros & Cons of Keys Federal Credit Union Visa Platinum

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?

Keys Federal Credit Union Visa Platinum has a variable purchase APR that ranges from 11.15% up to 18%. The card has a variable balance transfer APR that ranges from 11.15% up to 18%. It also has a variable cash advance APR that ranges from 11.15% 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.

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

The following fees apply:

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 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.