Credit Cards
Make purchases in stores, by phone or online, anywhere around the world with a KeyPoint Visa® card. It’s the convenient, secure way to pay and track your spending. Plus, all KeyPoint credit cards come with:
- No annual or foreign transaction fees (For details of fees and costs, select the card you’re interested in below and click on the “Summary of Credit Terms” link.)
- No hidden fees
- One low rate for purchases, balance transfers and cash advances
- Convenient online and mobile access to check your balance and transactions, receive fraud alerts, many other tasks
- Alerts that notify you by email and text when certain transactions occur
We Can Help You Choose the Card That’s Right for You.
- Unlimited 1.5% cash back on all your purchases+
- 0% APR on all purchases for the first nine months
- As low as 14.49% variable APR*
- A $100 statement credit when you spend $500 in the first 60 days after receiving your card
- For every $1 spent, earn a point towards rewards you can use for a wide range of merchandise, travel and events.
- Welcome bonus reward of 2,500 points
- As low as 11.49% variable APR*
- Ideal for making large purchases and consolidating debt
- As low as 9.49% variable APR*
- Designed to help you establish and build your credit
- As low as 17.49% variable APR*
| Visa Platinum Cash Rewards | Visa Platinum Rewards | Visa Platinum | Visa Classic | |
|---|---|---|---|---|
| Earn unlimited 1.5% cash rewards on all purchases+. Ideal for everyday spending. | For every $1 spent, earn a point towards a wealth of rewards. | Low rate card. Ideal for purchases and consolidating debt. | Ideal for establishing credit. | |
| Rewards | Yes | Yes | No | No |
| Introductory Bonus Rewards |
0% APR on all purchases for the first 9 months. $100 statement credit on the first $500 of purchases made within the first 60 days of receiving the card. |
2,500 Welcome Bonus Rewards Points. 0% APR for 16 months on eligible balance transfers. |
0% APR for 16 months on eligible balance transfers. | 0% APR for 16 months on eligible balance transfers. |
| 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 | No | No | No | No |
| 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 |
*All loans subject to credit approval. Rate is based on credit worthiness and other factors and may be higher than the rate shown. Rates and terms subject to change without notice.
+You will earn 1.5% cash back on net purchases (purchases minus any credits, returns, or adjustments) only. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Accounts subject to credit approval. Restrictions and limitation may apply. Please see terms and conditions for full details. Membership required. Cash rewards do not expire as long as your account is in good standing.
Rates accurate as of 1/24/2020 and subject to change.