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74

VISA PLATINUM LOW RATE

Kirtland Federal Credit Union

NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
9.75–16.50%
Annual fee
None
0% intro
12 mo
0% transfer
12 mo
Foreign fee
None
Grace period
None

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
16.50%
≤619
16.50%
620–719
16%
720+
10%
Lowest offered9.75%
Median12.25%
Highest offered16.50%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

No score
16.50%
≤619
16.50%
620–719
16%
720+
10%
Lowest offered9.75%
Median—
Highest offered16.50%

Every fee on this card

Annual feeNone
Balance transfer feeCharged (amount not reported)
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

None reported

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 calculator
Stay put — 12 mo at 24%$600
Transfer feenot reported
Promo interest at 0.00%$0
Net savingunknown

This issuer reports that a transfer fee applies but did not report the amount, so the net saving cannot be calculated. Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 12.25% afterwards.

Cost to carry a balance
Interest for a year at 12.25%$367.50
Annual / periodic fees$0
Total yearly cost$367.50

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.

Cardholder agreements

13 documents filed by Kirtland Federal Credit Union in the 2026 Q1 archive.

All 13 agreements

More from this issuer