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  Kirtland Federal Credit Union Visa Platinum

Kirtland Federal Credit Union Visa Platinum

in Personal Credit Cards from Kirtland Federal Credit Union

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Kirtland Federal Credit Union Visa Platinum

Unaffiliated

in Personal Credit Cards from Kirtland Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 5.75% - 12.5%
Balance Transfer APR  (Variable APR) 5.75% - 12.5%
Credit Score Range 600 - 850
Annual Fee $0

Kirtland Federal Credit Union Visa Platinum Review

This is a credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Kirtland Federal Credit Union Visa Platinum has a variable purchase APR that ranges from 5.75% up to 12.5%.
  • 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
  • Lower than average purchase APRs.
  • No annual fee.
  • Travel assistance insurance
  • Considers applicants with fair or poor 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 5.75% up to 12.5%. The card has a variable balance transfer APR that ranges from 5.75% up to 12.5%. It also has a variable cash advance APR that ranges from 5.75% up to 12.5%.

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?

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 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 Kirtland Federal Credit Union Visa Platinum customer service number 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.

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.

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 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

About Kirtland Federal Credit Union Visa Platinum

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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

Foreign Currency Transaction Fee 0%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $3
Cash Advance Fee (%) Starting at 1%
Minimum Cash Advance Fee ($) Starting at $3
Minimum Interest Charge $0.50
Returned Payment Fee Up to $25
Paper Statement Fee $2.50
Late Fee Amount Up to $25
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
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 5.75% - 12.5%
Balance Computation Average daily balance (including new purchases)."
Purchase APR (Variable APR) 5.75% - 12.5%
Balance Transfer APR (Variable APR) 5.75% - 12.5%
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Visa

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