Kirtland Federal Credit Union Visa Platinum Cash Rebate

Kirtland Federal Credit Union Visa Platinum Cash Rebate Review

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

Key Takeaways

• Competitive APRs. Kirtland Federal Credit Union Visa Platinum Cash Rebate has a variable purchase APR that ranges from 12.75% up to 18%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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 Cash Rebate

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. Kirtland Federal Credit Union Visa Platinum Cash Rebate reports to multiple credit bureaus.	Does not offer a signup bonus. Does not include many credit card benefits.

Kirtland Federal Credit Union Visa Platinum Cash Rebate FAQ

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

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Kirtland Federal Credit Union Visa Platinum Cash Rebate Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the relevant APRs for Kirtland Federal Credit Union Visa Platinum Cash Rebate?

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 Cash Rebate has a variable purchase APR that ranges from 12.75% up to 18%. The card has a variable balance transfer APR that ranges from 12.75% up to 18%. It also has a variable cash advance APR that ranges from 12.75% up to 18%.

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

The following fees apply:

Kirtland Federal Credit Union Visa Platinum Cash Rebate 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 cashback card.

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

Yes, Kirtland Federal Credit Union Visa Platinum Cash Rebate 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 Cash Rebate

• Visit the Kirtland Federal Credit Union Visa Platinum Cash Rebate 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.