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 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
Summary of Credit Terms Learn More Learn More Learn More Learn More

*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. **The Cash Rewards card’s 0% APR offer applies to purchases initiated during the first 9 months after an eligible account is opened. The Platinum Rewards, Platinum, and Classic cards’ 0% APR applies to balance transfers initiated during the first 60 days after an eligible account is opened. At the end of the promotional rate period, the variable rate assigned to the account will apply to any promotional balance that remains outstanding. See account terms and conditions for details. ***3% fee of cash advance amount.

Current variable Annual Percentage Rates (APR) are 14.99% to 26.99%. APR assigned to approved applicant depends on card type, credit history, and other factors we may lawfully consider. 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. 

Results from the Check My Rate service are not offers of credit. All loan applications are subject to review and credit approval. Terms offered to approved applicants may vary from those provided by the Check My Rate service depending on credit product selected and other factors.