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Choose the card that fits
your lifestyle!
No annual fees, and a low rate on all balances!
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Credit Cards

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    • Items Needed to Apply

Choose the card that fits your lifestyle!

No annual fee, no foreign transaction fee.

Visa Platinum Cash Rewards
Earn unlimited 1.5% cash back on purchases+. Perfect for your everyday purchases like gas, groceries, eating out etc.

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- As low as 12.99% APR*
- 0% APR on all purchases for the
first 9 months after card issuance
- $100 statement credit on the first
$500 of purchases made within
the 60 days of card issuance 

Summary of Credit Terms

Apply Now

 

Visa Platinum Rewards
For every $1 spent, a point towards rewards will be earned—merchandise, travel, events etc.

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- As low as 9.99% APR*
- 2,500 welcome bonus reward points

Summary of Credit Terms

Apply Now

 

Visa Platinum
Low rate card. Perfect for purchase and
debt consolidation.

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- As low as 7.99% APR*

Summary of Credit Terms

Apply Now

 

Visa Classic
Perfect if you are establishing credit

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- As low as 15.99% APR*

Summary of Credit Terms

Apply Now

 

Questions? Call us at (888) 255-3637, visit a KeyPoint branch, or go to Live Chat in the top right corner.

* APR=ANNUAL PERCENTAGE RATE. 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.

A full line of Visa® Credit Cards to meet your needs
All KeyPoint cards are accepted worldwide, with the same great features:

  • No annual or foreign transaction fees
  • No hidden fees (Summary of Credit Terms)
  • One low rate for purchases, balance transfers and cash advances
  • Low 2% balance transfer fee
  • Easy access with our Online and Mobile Banking to review your balance, pay a bill, and make a transfer.
  • New EMV Chip Technology: Enjoy advanced security with EMV chip technology.

  • Mobile Wallets: Add your card to Apple Pay, Android Pay, Samsung Pay or Microsoft Wallet for added protection.
  • Cellular Telephone Protection to reimburse you for damage or theft of an eligible cellular wireless telephone when you charge your monthly cell bills to your KeyPoint credit card
  • Auto Rental Collision Damage Waiver to reimburse you for damage due to collision or theft of most vehicles when rented with your KeyPoint credit card 

  • Visa Checkout and Verified by Visa® : Register for the programs that help prevent unauthorized use of your card for online purchases.
  • Protection from fraud with Visa’s Zero Liability Policy (you won't be held responsible for fraudulent charges made with your card or account information)
  • Monitor your credit card activity 24/7 with Credit Card Alerts that notify you by email and text when certain types of transactions occur. FAQs
  • If you ever need a replacement card, you can get one free at any KeyPoint branch
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  Visa Platinum Cash Rewards Visa Platinum Rewards Visa Platinum Visa Classic
Earn unlimited 1.5% cash rewards on all purchases+. Perfect for everyday spending.
Earn unlimited 1 point for every dollar to use to enjoy life experience.
Low rate card. Perfect for purchases and consolidating debt.
Perfect card if you’re 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 No No No No


+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.

What You Will Need to Apply:

  1. Valid Government Issued Photo ID
  2. Most Current Paystub (if requested)

If you're applying for the Starting Point program, you'll also need

  1. Most Current Paystub or Signed Offer Letter
  2. Social Security Card
  3. Verification of Residence