Credit Cards
With KeyPoint's Visa® options, you're in charge
Whatever type of credit card you're looking for, you'll find the right one here. Choose to earn rewards, opt for a lower rate, or start building your credit. KeyPoint Visa® cards are the convenient, secure way to pay and track your spending.
| Visa Platinum Cash Rewards | Visa Platinum Rewards | Visa Platinum | Visa Classic | |
|---|---|---|---|---|
| Earn 1.5% cash rewards on net purchases. Ideal for everyday spending. | For every $1 of net purchases, earn a point towards a wealth of rewards. | Low rate card, perfect for purchases and consolidating debt. | Ideal for establishing credit. | |
| Rewards | Yes | Yes | No | No |
| Introductory Bonus Rewards |
0% intro APR on all purchases for the first 9 months (17.24% to 26.24% variable APR on purchases thereafter) $100 statement credit on the first $500 of purchases made within the first 60 days of receiving the card. |
0% intro APR for 16 months on all balance transfers completed within 60 days after account opening (14.24% to 23.24% variable APR on balance transfers thereafter) 2,500 Welcome Bonus Rewards Points.
|
0% intro APR for 16 months on all balance transfers completed within 60 days after account opening (14.24% to 23.24% variable APR on balance transfers thereafter) | 0% intro APR for 16 months on all balance transfers completed within 60 days after account opening (20.24% to 22.24% variable APR on balance transfers thereafter) |
| Rewards Redemption | Automatic monthly statement credit every time $25 or more is earned. | Redeem for a reward option as long as you have at least 1 point in your account. | Not Available | Not Available |
| Annual Fee | No | No | No | No |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars | 3% of each transaction in U.S. dollars | 3% of each transaction in U.S. dollars | 3% of each transaction in U.S. dollars |
| Cash Advance Fee | 3% of the amount of each cash advance | 3% of the amount of each cash advance | 3% of the amount of each cash advance | 3% of the amount of each cash advance |
| Summary of Credit Terms | Learn More | Learn More | Learn More | Learn More |
All credit subject to approval. Quoted rates available as of 7/1/2025; subject to change without notice. Rates and variable rate formulas offered to approved applicants depend on credit history and other factors we may lawfully consider. 3% cash advance fee. Cash advances, balance transfers, and special checks do not earn cash rewards or rewards points. Other restrictions and conditions may apply. Membership required. At the end of any introductory rate period, any remaining promotional balance outstanding will be subject to the variable interest rate applicable to the account at the time.
Current variable Annual Percentage Rates (APR) are 14.24% to 26.24%. Rate is variable, based on the Prime Rate as published in The Wall Street Journal Monthly Rates Table (the \"Index\") plus a margin. The minimum monthly payment is the greater of $25.00 or 2% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.