Keesler Federal Visa Platinum Rewards Card Review | CreditShout

Keesler Federal Visa Platinum Rewards Card Review

By Christine Layton / November 13, 2011


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The Verdict: The Visa Platinum card from KFCU is a solid choice for members that want a credit card that costs nothing but gives back rewards. This credit card has limits up to $25,000 for cardholders that qualify and earns one point for every $1 spent that may be redeemed for merchandise, travel and more. Overall, this card is well suited for those that want to transfer high-interest balances and individuals who don’t carry a balance and want to earn rewards for their purchases.

Overview: Keesler Federal Credit Union has four credit card choices for members. The Visa Platinum Rewards card is the top-tier card offered by the credit union and comes with no annual fee, an APR as low as 9.9%, rewards for every purchase and a credit limit up to $25,000. This card can suit the needs for most cardholders because it has no hidden costs and a very low flat-rate for balance transfers as well.

How These Cards Work: The Visa Platinum card is accepted at millions of locations worldwide. There is a 25-day grace period on purchases, which allows cardholders to avoid interest charges by paying their balance in full. The credit limit ranges from $750.00 to $25,000, depending on the credit history of the applicant. There is no penalty APR for the card. This credit card earns one point for every $1 in purchases and cardholders can redeem these points for merchandise, travel and more. 1,000 bonus points are given to new cardholders after their first purchase as well.

Travel & Shopping Benefits: This credit card features travel benefits like free travel accident insurance when tickets are purchased with the card. Auto rental insurance is also included, which can save money by making it unnecessary to purchase additional insurance when renting a car. This card features excellent fraud protection and Verified by Visa, a program that reduces the risk of identity theft and unauthorized transactions. The Visa Platinum card also gives the cardholder access to special discounts and select retailers. The card earns points on every purchase that may be exchanged for services, merchandise, travel and more.

Fees: There is no annual fee or maintenance fees with the Visa Platinum card. The APR of 9.9% to 16.9% applies to balance transfers, cash advances and purchases. This APR is determined by the applicant’s credit history and rating. There is no penalty APR of any kind with the card and no minimum interest charge. Balance transfers and cash advances are subject to a very low flat-rate fee of $2.50 for each transaction. Foreign transactions are subject to a 1% fee. Late payments may result in a fee up to $15, depending on the balance, and a returned payment can result in a fee up to $20.


  • No annual fee or maintenance fees
  • Flat-rate transaction fee of $2.50 for transfers and cash advances
  • No penalty APR
  • No hidden fees
  • Credit limit up to $25,000
  • 1,000 bonus points after first purchase
  • One reward point for every $1 spent


  • Must be a member of Keesler Federal Credit Union to apply
  • APR may be as high as 16.9%
The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site

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