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  Keys Federal Credit Union Visa Signature Rewards
Keys Federal Credit Union Visa Signature Rewards Unaffiliated

Keys Federal Credit Union Visa Signature Rewards

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Highlights
Purchase APR  (Variable APR) 11.65% - 18%
Balance Transfer APR  (Variable APR) 11.65% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Keys Federal Credit Union Visa Signature Rewards Review

This is a rewards credit card issued by Keys Federal Credit Union. If you're wondering whether Keys Federal Credit Union Visa Signature Rewards 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 Signature Rewards 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 rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 2%.
  • 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 access to a concierge, 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 650.
Pros & Cons of Keys Federal Credit Union Visa Signature Rewards
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.9%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • Keys Federal Credit Union Visa Signature Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Keys Federal Credit Union Visa Signature Rewards FAQ

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

Keys Federal Credit Union Visa Signature Rewards is a rewards card. This card features rewards for purchases in the following categories:

Keys Federal Credit Union Visa Signature Rewards Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Keys Federal Credit Union Visa Signature Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Keys Federal Credit Union Visa Signature Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Keys Federal Credit Union Visa Signature Rewards benefits?

It provides the following benefits:

  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

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

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

Keys Federal Credit Union Visa Signature Rewards has a variable purchase APR that ranges from 11.65% up to 18%. The card has a variable balance transfer APR that ranges from 11.65% up to 18%. 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 Signature Rewards 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 Signature Rewards 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 11.65% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%

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

Keys Federal Credit Union Visa Signature Rewards 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 Signature Rewards?

The following fees apply:

  • There is no overlimit fee
Keys Federal Credit Union Visa Signature Rewards Fees
Fees Amount
Annual Fee $0
Overlimit 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 rewards card.

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

Keys Federal Credit Union Visa Signature Rewards 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 support contact email for Keys Federal Credit Union Visa Signature Rewards?

The support contact email for Keys Federal Credit Union Visa Signature Rewards is info@keysfcu.org.

How do people rate the customer service and user experience of Keys Federal Credit Union Visa Signature Rewards?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Keys Federal Credit Union Visa Signature Rewards 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 Signature Rewards

  • Visit the Keys Federal Credit Union Visa Signature Rewards 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.

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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.

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
Over-Limit Fee $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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • Travel
Cash Advance APR (Variable APR) 11.65% - 18%
Balance Computation "average daily balance” (including new purchases).
Credit Limit $5,000 - $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) 11.65% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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