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  Kirtland Federal Credit Union Visa Platinum Rewards

Kirtland Federal Credit Union Visa Platinum Rewards

in Personal Credit Cards from Kirtland Federal Credit Union

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Kirtland Federal Credit Union Visa Platinum Rewards

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in Personal Credit Cards from Kirtland Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 6.25% - 13%
Balance Transfer APR  (Variable APR) 6.25% - 13%
Credit Score Range 600 - 850
Annual Fee $0

Kirtland Federal Credit Union Visa Platinum Rewards Review

This is a rewards credit 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. 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 Rewards has a variable purchase APR that ranges from 6.25% up to 13%.
  • 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 oods if your credit score is above600.
Pros & Cons of Kirtland Federal Credit Union Visa Platinum Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Kirtland Federal Credit Union Visa Platinum Rewards is accepted.
  • 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

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 6.25% up to 13%. The card has a variable balance transfer APR that ranges from 6.25% up to 13%. It also has a variable cash advance APR that ranges from 6.25% up to 13%.

Does Kirtland Federal Credit Union Visa Platinum Rewards 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 Rewards 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 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 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 Rewards?

The Kirtland Federal Credit Union Visa Platinum Rewards customer service number is (505) 254-4369.

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.

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 Rewards

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View all personal credit cards offered by Kirtland Federal Credit Union

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
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 6.25% - 13%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 6.25% - 13%
Balance Transfer APR (Variable APR) 6.25% - 13%
Card Type
  • Rewards
Card Network Visa

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