Visa Classic Credit Card

Start building a solid credit history
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A simple, secure card for starting your credit journey
No annual fee delivers more value for the convenience
Establish healthy financial habits with responsible use
Use digital tools to manage your account anytime

Classic never goes out of style with this credit card

Without a credit history, it's difficult to qualify for a credit card. Not at KeyPoint Credit Union. Our Visa Classic Credit Card is the perfect option to help you build your credit history, increase your score and get the financial flexibility you need with built-in Visa perks.

  • EMV Chip Technology keeps your card secure
  • Connect your card to your mobile wallet for quick, secure and contactless payments
  • Visa Zero Liability means you're not responsible for unauthorized purchases
  • Manage your account through Online Banking and our Mobile App
  • Set rules for how, when and where your card can be used to control spending
  • Receive alerts anytime a transaction occurs to monitor activity and spot potential fraud
  • Foreign Transaction Fee is 3% for each transaction in U.S. dollars
  • Cash Advance Fee is 3% of the amount of each cash advance
  • Summary of terms

KeyPoint Credit Union credit cards combine purchasing power, competitive rates, and convenient account management to support your financial needs. Serving the San Francisco Bay Area, Santa Barbara County and beyond.

Your credit journey starts with KeyPoint
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Frequently Asked Questions

Credit card and other loan payments can be made through Online or Mobile Banking, over the phone, or sent by mail to KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Don’t have Online Banking? Sign up today! 

Access your account online from your laptop, tablet or personal computer. Online Banking is secure, free, and available 24/7. You can also use our mobile app. After you enroll, you can take care of your banking tasks at your convenience: 

  • View current account balances and transaction details
  • View and export transaction history 
  • Pay bills
  • View check images
  • Transfer money between your own accounts, and accounts of other KeyPoint Members 
  • Send money to anyone via an email address or cell phone
  • Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
  • View eStatements, eTaxes and other electronic documents 

You can also download KeyPoint's mobile app from the App Store or Google Play, and Register directly on the app.

If you lost your credit or debit card, please contact us immediately so we can block the card and prevent fraud on your account. You can receive a new card instantly at any KeyPoint branch! If you would like us to mail a new card, it will take three to five business days. 

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

KeyPoint has three great credit cards to meet your needs: A low-rate Visa® Platinum or Classic card, and a Visa® Platinum Rewards card. There is no annual fee, no balance transfer fee, no cash advance fee, and easy online access. Credit limits range from $500 to $25,000. Click here for more information or apply for a credit card online.

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All credit subject to approval. Membership required. As of 02/26/26, variable purchase APRs 19.49% to 21.49%; variable cash advance APRs 19.49% to 21.49%; variable balance transfer APRs 19.49% to 21.49%. Balance transfer fee 4%. Available rates 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. Other restrictions and conditions may apply.

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