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1 Star Rating
bait and switch when comes to pre-approvals on their system, very disingenuous. do not apply thinking you will be approved even if their system states you will be.
Product: KeyPoint Credit Union Credit Cards
Comment
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Please find below credit cards offered by KeyPoint Credit Union.
Compare KeyPoint Credit Union Credit Cards
Updating Results
Purchase Intro APRNot Offered
Transfer Intro APR0% for 16 months|Transfer Fee: 4%
Regular APR20.24% - 22.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 16 months|Transfer Fee: 4%
Regular APR
20.24% - 22.24% (V)
annual fee
$0
rewards rate
None
minimum credit
Limited History
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on balance transfers
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards
- High regular APR
- Foreign fee
Read our editor's full KeyPoint Classic Credit Card review.
Additional Info
- 0% Intro APR will apply to balance transfers posted to your account during the first 60 days of account opening.
- Add your card to Apple Pay™, Google Pay, Samsung Pay for added protection.
- Protection from fraud with Visa’s Zero Liability Policy.
Purchase Intro APRNot Offered
Transfer Intro APR0% for 16 months|Transfer Fee: 4%
Regular APR14.24% - 23.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 16 months|Transfer Fee: 4%
Regular APR
14.24% - 23.24% (V)
annual fee
$0
rewards rate
None
minimum credit
Excellent
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on balance transfers
Cons
- No rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
Read our editor's full Keypoint Credit Union Visa Platinum Credit Card review.
Additional Info
- 0% Intro APR will apply to balance transfers posted to your account during the first 60 days of account opening.
- Visa Checkout and Visa Secure: Register for the programs that help prevent unauthorized use of your card for online purchases.
- Protection from fraud with Visa’s Zero Liability Policy.
Purchase Intro APRNot Offered
Transfer Intro APR0% for 16 months|Transfer Fee: 4%
Regular APR14.24% - 23.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 16 months|Transfer Fee: 4%
Regular APR
14.24% - 23.24% (V)
annual fee
$0
rewards rate
1 point / $1
Bonus Offer
2,500 points
Bonus Offer
2,500 points
minimum credit
Excellent
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on balance transfers
- 2,500 points initial rewards bonus
Cons
- No intro APR on purchases
- Balance transfer fee
- Foreign fee
- Requires excellent credit
Read our editor's full Keypoint Credit Union Platinum Rewards Credit Card review.
Rewards Details
- Receive 2,500 welcome bonus reward points.
- Earn 1 point per $1 spent on all purchases, redeem them for merchandise, travel, entertainment and activities.
Additional Info
- 0% Intro APR will apply to balance transfers posted to your account during the first 60 days of account opening.
- Add your card to Apple Pay™, Google Pay, Samsung Pay for added protection.
- Visa Secure protects you from fraud when you check out at online merchants.
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
KeyPoint Credit Union Credit Card Reviews
2.2
14 reviews
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1 Star Rating
I opened a keypoint credit card in June 2020. I've made every payment, Set up auto pay on some of my bills only for them to close my credit card because my "revolving credit was too high" which is confusing considering I never had an issue paying my bill
They had no regard for my auto pay
They had no remorse over the phone
They don't care that we're in a pandemic
They only solution was to apply for a new card which seems like a scam to boost their application numbers
This is a complete inconvenience and I felt I was being talked down to over the phone
And their decision is final
They had no regard for my auto pay
They had no remorse over the phone
They don't care that we're in a pandemic
They only solution was to apply for a new card which seems like a scam to boost their application numbers
This is a complete inconvenience and I felt I was being talked down to over the phone
And their decision is final
Product: KeyPoint Credit Union Credit Cards
Comment
Review KeyPoint Credit Union Credit Cards
KeyPoint Credit Union Credit Card Q&A
Get answers to your questions about KeyPoint Credit Union Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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- Most Popular
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3
UpvotesWhat is the KeyPoint Credit Union Visa Classic Credit Card credit score requirement?
Reply
Craig Barnes
The KeyPoint Credit Union Visa Classic Credit Card is available to people with limited credit. That means you do not need to have a credit score to get approved for the KeyPoint Credit Union Visa Classic Credit Card.
Note that there are plenty of other things that will impact your chances of being approved for the KeyPoint Classic Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status. You can check your credit score for free on WalletHub.
0
UpvotesDoes the KeyPoint Visa Classic Card do a hard pull?
Reply
Chip Lupo
Yes, the KeyPoint Credit Union Visa Classic Credit Card does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows KeyPoint Credit Union to determine your credit risk and ultimately decide whether you'll be approved for an account.
You can check your credit score by signing up for a free WalletHub account. You'll have...
0
UpvotesWhat is the KeyPoint Classic Credit Card balance transfer limit?
Reply
Chip Lupo
The KeyPoint Credit Union Visa Classic Credit Card balance transfer limit is equal to the card's overall credit limit, which varies for each cardholder based on their credit history and income. If you try to transfer a balance that is greater than your limit, the transfer may be declined or only approved up to your limit. Keep in mind that you'll also need to factor in a balance transfer fee, which counts against the transfer limit.
Key Things to Know...
0
UpvotesHow do I get pre-approved for the KeyPoint Classic Visa card?
Reply
John Miller
You can get pre-approved for the KeyPoint Classic Credit Card online, on KeyPoint's website. Potential applicants can use this online tool to check their odds of approval for certain KeyPoint credit cards before they actually apply for one. Current KeyPoint Credit Union customers may also receive pre-approved offers periodically, online or by mail.
Getting pre-approved for a KeyPoint Classic Credit Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean...
0
UpvotesHow do I apply for KeyPoint Visa Classic card?
Reply
Evelyn Boros
The easiest way to apply for the KeyPoint Classic Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to KeyPoint Credit Union's website. Alternatively, you can apply in person or by phone.
Keep in mind that the KeyPoint Classic Credit Card requires limited credit, which means you need a less than 3 years of credit history+ credit score for high approval odds. Also note that applying for the card triggers a...
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