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ROUTING NUMBER: 307070050
LIVE CONFIDENT with the Kirtland CU VISA® Platinum Card!
Choose the Low Rate, Cash Rebate, or Rewards VISA® Platinum Card and make it yours.
Low Rate Card
With the VISA® Platinum Low Rate card, you get our lowest available rate and one of the lowest non-teaser rates on the market.
- 0% interest for 12 months on purchases made within the first 90 days from account opening (After the introductory period, variable purchase APR will be 10.25%-17.00% based on creditworthiness.)
- 0% interest for 12 months on balance transfers made within the first 90 days from account opening (Balance transfers are charged a 3% fee on the total amount transferred. After the introductory period, the variable APR for balance transfers will be 10.25%-17.00% based on creditworthiness.)
- The Kirtland Credit Union VISA® Platinum Card has no annual fee.
Cash Rebate Card
With our Cash Rebate card, you get cash back on every purchase you make.
- 5.0% cash back on all purchases for the first 90 days, up to $5,000 spend
- 1.5% cash back on all purchases after 90 days
- The Kirtland Credit Union VISA® Platinum Card has no annual fee.
- Rates as low as 12.75% APR
Rewards Card
Turn your purchases into your next adventure with travel rewards, or claim merchandise and other rewards with CU Rewards points.
- 3x points on all purchases for the first 90 days, up to $5,000 spend
- 1 point earned for every dollar after the first 90 days
- The Kirtland Credit Union VISA® Platinum Card has no annual fee.
- Rates as low as 10.75% APR
Ready to get your VISA® Platinum Credit Card?
The Perks
More than buying power—your VISA® Platinum Credit Card comes loaded with perks.
Real-time Alerts
Stay on top of your spending and spot potentially fraudulent transactions with FREE alerts! Fraud Alerts and VISA® Purchase Alerts have you covered. Learn how to enroll now!
Anywhere Access
Manage your VISA® Platinum Credit Card from home or on the go with Online Banking—pay your bill, check your available balance, and more. You can also set your own spending alerts in Online Banking to help you better manage your account.
Perk Programs
Your VISA® Platinum Credit Card comes loaded with extras. Travel and Emergency Assistance along with the security you expect from Visa®.
Tap to Pay
Your VISA® Platinum Credit Card is "Contactless." The EMVCo Contactless Indicator indicates acceptance. A merchant accepts tap-to-pay when this symbol is featured on a checkout terminal or store signage.
Quarterly Rewards Benefits
Cash Rebate Visa® Platinum
Earn 5% Cash Back1 on Qualifying Purchases
Rewards VISA® Platinum Card
Earn 5X Points2 on Qualifying Purchases
Once the introductory 90-day period is completed, you may be eligible3 to earn bonus rewards for qualifying purchases. Each quarter offers bonus rewards for every purchase dollar in the quarter’s category.
October - December
January - March
April - June
July - September
October - December
October 1 to December 31, 2024
Eligible Categories*:
Retail
- Department Stores
- Wholesale Clubs
- Clothing Retailers
- Electronics
- Sporting goods
- Toys & Toy Stores
- Book Stores
- Hobby Stores
- Music Stores
- Party Supply Stores
- Discount Stores
- and More!
*Earn bonus rewards on all qualified purchases from October 1, 2024 through December 31, 2024. This offer expires on December 31, 2024. Your rewards will automatically be posted to your account at the close of each billing cycle. Cash advances, balance transfer fees, and finance charges do not apply.
January - March
January 15 to March 31, 2025
Eligible Categories*:
Gas
- Gas Stations
- Pay-at-the-Pump
- Electric Vehicle Charging
Groceries
- Grocery Stores
- Discount Stores
- Specialty Markets
- Bakeries
- Convenience Stores
- and more!
*Earn bonus rewards on all qualified purchases from January 15, 2025 through March 31, 2025. This offer expires on March 31, 2025. Your rewards will automatically be posted to your account at the close of each billing cycle. Cash advances, balance transfer fees, and finance charges do not apply.
April - June
April 1 to June 30, 2025
Eligible Categories*:
Home 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 & Nursey Stores
- Floor Coverings
*Earn bonus rewards on all qualified purchases from April 1, 2025 through June 30, 2025. This offer expires on June 30, 2025. Your rewards will automatically be posted to your account at the close of each billing cycle. Cash advances, balance transfer fees, and finance charges do not apply.
July - September
July 1 to September 30, 2025
Eligible Categories*:
Travel & Entertainment
- Airlines & Transportation
- Rental Vehicles
- Hotels, Lodging & Resorts
- Gas Stations
- Restaurants & Dining
- Museums & Attractions
- Movie Theaters
- Amusement Parks
- School & Office Supplies
- Hair Salons & Barbershops
- Clothing & Uniform Stores
- Electronics & Bookstores
*Earn bonus rewards on all qualified purchases from July 1, 2025 through September 30, 2025. This offer expires on September 30, 2025. Your rewards will automatically be posted to your account at the close of each billing cycle. Cash advances, balance transfer fees, and finance charges do not apply.
- Cash Rebate VISA® Platinum Card: Earn a 5% cash back rebate, maximum of $75, on all qualified purchases for each promotional period. Standard earning is 1.5% cash back, promotional offer is 3.5% cash back for maximum of 5% cash back ($22.50 cash back base and $52.50 cash back promotional earned for maximum of $75 cash back). Your cash rebate will automatically be posted to your account at the close of each billing cycle. Cash advances, balance transfer fees, and finance charges do not apply.
- Rewards VISA® Platinum Card: earn 5X points, up to $1,500 in spend, maximum of 7,500 points, on all qualified purchases during the promotional period. Standard earning is 1 point, promotional offer will be for 4 points above the standard for a maximum of 5 points per dollar (1,500 points base and 6,000 points promotional earned for a maximum of 7,500 points). Your points will automatically be posted to your account at the close of each billing cycle. Cash advances, balance transfer fees, and finance charges do not apply.
- Not all credit cardholders will qualify for Quarterly Rewards Benefits; exclusions apply. Please contact a Card Services Representative for details.
Protect your credit! Learn how to reduce fraud and avoid these popular scams at the Kirtland CU Insighter Blog.
Financial Workshops & Educational Resources
Financial Wellness Center
We have developed a Financial Wellness Center, in partnership with MoneyEdu, to offer online courses, a full article library, and personal credit counseling agents that can meet with you on your time.
Risks and Benefits of Credit Cards
Credit cards offer benefits for many consumers, but it’s important to understand the risks of unsecured credit.
Get Started
Three easy ways to apply.
Click
Apply instantly now...or later! Whenever it works for you.
Call
Give us a call, and a member service representative will help you get started.
CALL 1-800-880-5328
Visit
Stop by your nearest branch to apply with one of our friendly representatives.
IMPORTANT NOTICES AND DISCLAIMERS
* Membership required. Terms and conditions apply. Other special discounts may not be combined. Equal Opportunity Lender.
1. APR = Annual Percentage Rate and can change at any time without notice. All loans are subject to additional underwriting requirements. Your interest rate will be determined based on credit and other factors.
2. The Kirtland CU VISA® Platinum Card has a variable interest rate, indexed to the Prime Rate, and tiered based on credit-worthiness criteria. A margin (also based on creditworthiness criteria) is added to the index value to determine the interest rate. The APR can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Index Value: November 12, 2024 through December 31, 2024 (Wall Street Journal Prime Rate as of November 8, 2024) = 7.75%. VISA® Platinum Card
Promotional Information: Low Rate Card – Balance transfers and purchases are 0% interest rate for 12 months with a 3% balance transfer fee for each transfer. Offer available for the first 90 days after account opening; Cash Rebate Card – 5% cash back on all purchases for 90 days, up to $5,000 spend; Rewards Card – 3x points on all purchases for 90 days, up to $5,000 spend.
See the Kirtland CU Guide To Card Benefits, Credit Card Agreement, Credit Card Application and Solicitation Disclosure for more information. A main Share (savings account) is required for membership at Kirtland CU with a $5 per signer minimum balance and must be established before any other account may be opened. Account triggered fees and charges that may be assessed against your account are disclosed in the Fee Schedule. For complete details, refer to the Truth-In-Savings Disclosure. Kirtland CU welcomes veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members.
Speak with a representative for complete details.
