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  Kirtland Federal Credit Union Visa Platinum Cash Rebate

Kirtland Federal Credit Union Visa Platinum Cash Rebate

in Personal Credit Cards from Kirtland Federal Credit Union

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Kirtland Federal Credit Union Visa Platinum Cash Rebate

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in Personal Credit Cards from Kirtland Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 8.25% - 15%
Balance Transfer APR  (Variable APR) 8.25% - 15%
Credit Score Range 600 - 850
Annual Fee $0

Kirtland Federal Credit Union Visa Platinum Cash Rebate Review

This is a cashback credit 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. 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 Cash Rebate has a variable purchase APR that ranges from 8.25% up to 15%.
  • 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 or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Kirtland Federal Credit Union Visa Platinum Cash Rebate is accepted.
  • 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

Does Kirtland Federal Credit Union Visa Platinum Cash Rebate have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Kirtland Federal Credit Union Visa Platinum Cash Rebate offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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 8.25% up to 15%. The card has a variable balance transfer APR that ranges from 8.25% up to 15%. It also has a variable cash advance APR that ranges from 8.25% up to 15%.

Does Kirtland Federal Credit Union Visa Platinum Cash Rebate 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 Cash Rebate 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 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 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 support contact email for Kirtland Federal Credit Union Visa Platinum Cash Rebate?

The support contact email for Kirtland Federal Credit Union Visa Platinum Cash Rebate is mservice@kirtlandfcu.org.

How do people rate the customer service and user experience of Kirtland Federal Credit Union Visa Platinum Cash Rebate?

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

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.

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 Cash Rebate

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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
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 8.25% - 15%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 8.25% - 15%
Balance Transfer APR (Variable APR) 8.25% - 15%
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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