RateHerald

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Kirtland Federal Credit Union credit card

VISA PLATINUM CASH REBATE

No annual fee. No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Foreign transactions
Credit asked

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.

SpendingValue against the feeFirst yearAfter
Light spender$185$185
Typical spender$460$460
Heavy spender$1,005$1,005
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: 5x All purchases during the first 90 days from account opening; not counted: 5x Retail; Department Stores; Wholesale Clubs; Clothing Retailers; Electronics; Sporting goods; Toys & Toy Stores; Book Stores; Hobby Stores; Music Stores; Party Supply Stores and more — October 1 through December 31, 2026.

$185a 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: 5x All purchases during the first 90 days from account opening; not counted: 5x Retail; Department Stores; Wholesale Clubs; Clothing Retailers; Electronics; Sporting goods; Toys & Toy Stores; Book Stores; Hobby Stores; Music Stores; Party Supply Stores and more — October 1 through December 31, 2026.

$460a 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: 5x All purchases during the first 90 days from account opening; not counted: 5x Retail; Department Stores; Wholesale Clubs; Clothing Retailers; Electronics; Sporting goods; Toys & Toy Stores; Book Stores; Hobby Stores; Music Stores; Party Supply Stores and more — October 1 through December 31, 2026.

$1,005a 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: 5x All purchases during the first 90 days from account opening; not counted: 5x Retail; Department Stores; Wholesale Clubs; Clothing Retailers; Electronics; Sporting goods; Toys & Toy Stores; Book Stores; Hobby Stores; Music Stores; Party Supply Stores and more — October 1 through December 31, 2026.

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 95% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).

Other cash back cards with no annual fee

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

Rewards

How you earn

5%
All purchases during the first 90 days from account openingGas; Gas Stations; Pay-at-the-Pump; Electric Vehicle Charging — January 1 through March 31, 2026Groceries; Grocery Stores; Discount Stores; Specialty Markets; Bakeries; Convenience Stores and more — January 1 through March 31, 2026Home 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 — April 1 through June 30, 2026Travel & 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 — July 1 through September 30, 2026Retail; Department Stores; Wholesale Clubs; Clothing Retailers; Electronics; Sporting goods; Toys & Toy Stores; Book Stores; Hobby Stores; Music Stores; Party Supply Stores and more — October 1 through December 31, 2026
1.5%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Travel and Emergency Assistance.
  • Fraud Alerts and VISA Purchase Alerts are available, with enrollment required for the free alerts.
  • Online Banking access for bill payment, balance checking, and spending alerts.
  • Contactless tap-to-pay capability.

Every figure with its receipt

Rates and fees

Annual fee
Cash advance APR
Foreign transactions
Minimum interest charge

Before you apply

  1. 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).
  2. 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
Read the card agreement

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