Last Updated: 07/28/2025
Kirtland Federal Credit Union Visa Platinum
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.25% - 17%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.25% - 17%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
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
- APRs: Kirtland Federal Credit Union Visa Platinum has a variable regular 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Kirtland Federal Credit Union Visa Platinum
| The Good | The Bad |
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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%.
Does Kirtland Federal Credit Union Visa Platinum have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Kirtland Federal Credit Union Visa Platinum 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 Kirtland Federal Credit Union Visa Platinum?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 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 Kirtland Federal Credit Union Visa Platinum?
The customer service number for Kirtland Federal Credit Union Visa Platinum is (505) 254-4369.
What is the support contact email for Kirtland Federal Credit Union Visa Platinum?
The support contact email for Kirtland Federal Credit Union Visa Platinum is mservice@kirtlandfcu.org.
What is the login page for Kirtland Federal Credit Union Visa Platinum?
You can access the login page of Kirtland Federal Credit Union Visa Platinum here.
How do people rate the customer service and user experience of Kirtland Federal Credit Union Visa Platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Kirtland Federal Credit Union Visa Platinum report your account activity to credit bureaus?
Yes, Kirtland Federal Credit Union Visa Platinum 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 Kirtland Federal Credit Union perform a hard credit pull?
Yes, Kirtland Federal Credit Union Visa Platinum 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 Kirtland Federal Credit Union Visa Platinum
- Visit the website of Kirtland Federal Credit Union Visa Platinum.
- 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
Headquarters
Hours of Operation
Sunday
Closed
Monday
6:00AM - 5:00AM
Tuesday
6:00AM - 5:00AM
Wednesday
6:00AM - 5:00AM
Thursday
6:00AM - 5:00AM
Friday
6:00AM - 5:00AM
Saturday
8:00AM - 2:00AM