Our illustration, not the card’s design
Kirtland Federal Credit Union credit card
Kirtland FCU VISA PLATINUM REWARDS
No annual fee. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Receipt · Credit askedChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
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.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $360 | $360 | |
| Typical spender | $755 | $755 | |
| Heavy spender | $1,140 | $1,140 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 3x All purchases for the first 90 days; points valued at an assumed 1¢.
$360a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 3x All purchases for the first 90 days; points valued at an assumed 1¢.
$755a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 3x All purchases for the first 90 days; points valued at an assumed 1¢.
$1,140a year
The same in the first year and after.
The spending this assumes
A month: 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¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 100% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- CareCredit MastercardSynchrony · No annual fee−$45 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee−$60 a year
- Business EssentialsUS Bank · No annual fee−$155 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
CU Rewards
How you earn
- 5×
- Gas, Gas Stations, Pay-at-the-PumpElectric Vehicle ChargingGroceries, Grocery Stores, Discount Stores, Specialty Markets, Bakeries, Convenience Stores, and moreHome 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 CoveringsTravel & 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 & BookstoresRestaurants & DiningRetail, Department Stores, Wholesale Clubs, Clothing Retailers, Electronics, Sporting goods, Toys & Toy Stores, Book Stores, Hobby Stores, Music Stores, Party Supply Stores, and More
- 3×
- All purchases for the first 90 days
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
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
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
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)
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