SuperMoney
Explore
Compare Rates

Compare All Credit Cards

Filter & compare all your options in one place.

View All Credit Cards
x No thanks, not right now
Advertiser Disclosure
  Kitsap Credit Union Visa Card
Kitsap Credit Union Visa Card
in Credit Cards from Kitsap Credit Union
Unaffiliated

Kitsap Credit Union Visa Card

Unaffiliated
in Credit Cards from Kitsap Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Kitsap Credit Union Visa Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Purchase APR  (Variable APR) 11.90% - 21.90%
(Verified 02/08/2023)
Balance Transfer APR  (Variable APR) 11.90% - 21.90%
(Verified 02/08/2023)
Credit Score Range 650 - 850
Annual Fee $0

Kitsap Credit Union Visa Card Review

This is a card issued by Kitsap Credit Union. If you're wondering whether Kitsap Credit Union Visa Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Kitsap Credit Union Visa Card has a variable purchase APR that ranges from 11.90% up to 21.90%.
  • 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.
  • 3% Balance transfer fee. Kitsap Credit Union Visa Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Kitsap Credit Union Visa Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 11.90% up to 21.90%.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Kitsap Credit Union Visa Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.

Kitsap Credit Union Visa Card FAQ

Does Kitsap Credit Union Visa Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Kitsap Credit Union Visa Card benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Kitsap Credit Union Visa Card?

Issuer does not publicly disclose rates. Please see the issuer's application page or contact them directly for rate and fee information.

Does Kitsap Credit Union Visa Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Kitsap Credit Union Visa Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.90% - 21.90%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Kitsap Credit Union Visa Card have an intro APR offer on new purchases?

Kitsap Credit Union Visa Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Kitsap Credit Union Visa Card?

The following fees apply:

Kitsap Credit Union Visa Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $28
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 Kitsap Credit Union Visa Card have a foreign transaction fee?

Kitsap Credit Union Visa Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Kitsap Credit Union Visa Card?

The Kitsap Credit Union Visa Card customer service number is (360) 662-2000.

What is the support contact email for Kitsap Credit Union Visa Card?

The support contact email for Kitsap Credit Union Visa Card is socialmedia@kitsapcu.org.

What is the Kitsap Credit Union Visa Card login page?

You can access the Kitsap Credit Union Visa Card login page here.

How do people rate the customer service and user experience of Kitsap Credit Union Visa Card?

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

Does Kitsap Credit Union Visa Card report your account activity to credit bureaus?

Yes, Kitsap Credit Union Visa Card 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 Kitsap Credit Union Visa Card

  • Visit the Kitsap Credit Union Visa Card 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 9:00am - 5:00am
  • Tuesday 9:00am - 5:00am
  • Wednesday 9:00am - 5:00am
  • Thursday 9:00am - 5:00am
  • Friday 9:00am - 5:00am
  • Saturday Closed

Other Services by Kitsap Credit Union

Icon for Credit Cards
View all credit cards offered by Kitsap Credit Union
Icon for Credit Card

Business Credit Cards

Be the first to rate

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) Starting at 0%
Minimum Cash Advance Fee ($) Starting at $0
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $28
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Travel Accident Insurance
Rewards Type No Rewards
Does Not Disclose Rates
Cash Advance APR (Variable APR) 11.90% - 21.90%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 11.90% - 21.90%
(Verified 02/08/2023)
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.90% - 21.90%
(Verified 02/08/2023)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Be the first to rate

 

Would you recommend Kitsap Credit Union Visa Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Strongly recommended

17 Reviews

Strongly recommended

25 Reviews

Be the first to review
View All

Kitsap Credit Union Credit Cards

Loading...
Browse Credit Cards
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.