Kirtland Federal Credit Union Visa Platinum Rewards

Kirtland Federal Credit Union Visa Platinum Rewards Review

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

Key Takeaways

• Competitive APRs. Kirtland Federal Credit Union Visa Platinum Rewards has a variable purchase APR that ranges from 10.75% up to 17.50%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your 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.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, and fraud protection.
• 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 Rewards

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

Kirtland Federal Credit Union Visa Platinum Rewards FAQ

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

Kirtland Federal Credit Union Visa Platinum Rewards is a rewards card.

Kirtland Federal Credit Union Visa Platinum Rewards Rewards

Minimum rewards rate	1.5x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Kirtland Federal Credit Union Visa Platinum Rewards benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Cell Phone Protection
• Reports to major credit bureaus

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

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 Rewards has a variable purchase APR that ranges from 10.75% up to 17.50%. The card has a variable balance transfer APR that ranges from 10.75% up to 17.50%. It also has a variable cash advance APR that ranges from 10.75% up to 17.50%.

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

The following fees apply:

Kirtland Federal Credit Union Visa Platinum Rewards 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 rewards card.

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

Yes, Kirtland Federal Credit Union Visa Platinum Rewards 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 Rewards

• Visit the Kirtland Federal Credit Union Visa Platinum Rewards 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.