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Kirtland Federal Credit Union credit cardChecked Oct 10, 2026Updated Our illustration, not the card’s design

Kirtland FCU VISA PLATINUM REWARDS

No annual fee.

Annual fee
Foreign transaction fee
Read the card agreementRates and fees

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What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$360$360
Typical spender$755$755
Heavy spender$1,140$1,140
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: not counted: 3x All purchases for the first 90 days; points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards

How it compares

  • Worth more to a typical spender than about 100% of the 647 cards we track.
  • No annual fee, like about 85% of the 623 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Before you apply

  • What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  • Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

How you earn · CU Rewards

  • 3× pointsAll purchases for the first 90 days
  • 5× pointsGas, Gas Stations, Pay-at-the-Pump
  • 5× pointsElectric Vehicle Charging
  • 5× pointsGroceries, Grocery Stores, Discount Stores, Specialty Markets, Bakeries, Convenience Stores, and more
  • 5× pointsHome Improvement, Home Improvement Stores, Roofing & Siding Repair, Equipment & Supply Rentals, Plumbing Repair & Supply, General Contractors, Home Repair Professionals, Home Appliance Stores, Carpet/Upholstery Cleaning, HVAC Professionals, Cleaning/Janitorial Services, Garden & Nursery Stores, Floor Coverings
  • 5× pointsTravel & Entertainment, Airlines & Transportation, Rental Vehicles, Hotels, Lodging & Resorts, Restaurants & Dining, Museums & Attractions, Movie Theaters, Amusement Parks, School & Office Supplies, Hair Salons & Barbershops, Clothing & Uniform Stores, Electronics & Bookstores
  • 5× pointsRestaurants & Dining
  • 5× pointsRetail, Department Stores, Wholesale Clubs, Clothing Retailers, Electronics, Sporting goods, Toys & Toy Stores, Book Stores, Hobby Stores, Music Stores, Party Supply Stores, and More
  • 1× pointsEverything else

Rates and fees

Annual fee
Cash advance APR
Foreign transactions
Minimum interest charge

Carrying a balance? See how long it takes to pay off

Benefits

  • Travel and Emergency Assistance
  • Visa Fraud Alerts and Visa Purchase Alerts
  • Online Banking access to manage the card, pay bills, check available balance, and set spending alerts
  • Contactless tap-to-pay capability

Questions

What is the annual fee?
None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026

Other points cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).