Purchase APR
—
Annual fee
None
Foreign fee
None
No score≤619Other
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48
VISA PLATINUM CASH REBATE
NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
—
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
None
Contract X-Ray — what's buried in the fine print
0 red flags · 13 filed docsDetected in the CFPB-filed cardholder agreements from Kirtland Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered—
Median—
Highest offered—
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.75%
Median16.50%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Card Replacement Fee$10
Document Copy Fee$2.50
Statement Copy Fee$2.50
Late fee policy: $25.00 or the amount of the required minimum payment, whichever is less, if one or more days late.
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Access to Free Credit Scores
- Debt cancellation coverage
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
- Other
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone(800) 880-5328
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry
This issuer did not report a purchase APR.
Cardholder agreements
13 documents filed by Kirtland Federal Credit Union in the 2026 Q1 archive.
- Application and Solicitation Disclosure (1-30-2025)91 KB
- Application and Solicitation Disclosure (8-2-2024)96 KB
- Application and Solicitation Disclosure 5-8-202496 KB
- application_solicitation_disclosure (1-31-2023)96 KB
- application_solicitation_disclosure (10-28-2022)100 KB
- application_solicitation_disclosure (5-2-2022)69 KB
More from this issuer
Purchase APR
9.75–16.50%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
No score≤619
Carrying $3k for a year ≈ $367.50
Purchase APR
13.99–17.99%
Annual fee
None
Foreign fee
2%
0% purchases · 12 mo0% transfers · 12 mo
≤619620–719Cashback
Carrying $3k for a year ≈ $479.70
Purchase APR
13.24–18%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $397.20