Kirtland Federal Credit Union Visa Platinum

Kirtland Federal Credit Union Visa Platinum Review

This is a card issued by Kirtland Federal Credit Union. If you're wondering whether Kirtland Federal Credit Union Visa Platinum is the right card for you, read on.

Key Takeaways

• Competitive APRs. Kirtland Federal Credit Union Visa Platinum has a variable purchase APR that ranges from 10.25% up to 17%.
• 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.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Kirtland Federal Credit Union Visa Platinum

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Travel assistance insurance Considers applicants with fair credit. No foreign transaction fee. Kirtland Federal Credit Union Visa Platinum reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Kirtland Federal Credit Union Visa Platinum FAQ

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

No, it does not offer a rewards program.

What are the Kirtland Federal Credit Union Visa Platinum benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Kirtland 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. This card has lower than average regular APRs.

Kirtland Federal Credit Union Visa Platinum has a variable purchase APR that ranges from 10.25% up to 17%. The card has a variable balance transfer APR that ranges from 10.25% up to 17%. It also has a variable cash advance APR that ranges from 10.25% up to 17%.

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

The following fees apply:

Kirtland Federal Credit Union Visa Platinum Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

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

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

Yes, Kirtland 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 Kirtland Federal Credit Union Visa Platinum

• Visit the Kirtland 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.