Keys Visa® Credit Cards
Keys Visa®® Contactless Credit Cards offer worldwide acceptance, mobile wallet integration, and low-rate financing designed to keep more money in your pocket. Enjoy low competitive rates that never exceed 18% APR*, no annual fees, FREE balance transfers, FREE cash advances, and CU Rewards on everyday purchases. Manage your account easily on the go with our free Keys Card Manager App.
Have a small business? Keys Visa® Business Rewards Credit Cards are perfect for helping your business grow! Save time and money with low APRs below 18%*, no annual fee, FREE CU Rewards, FREE employee cards, and our convenient Keys Card Manager App.
Choose the best option for your financial goals with our Side-by-Side Credit Card Comparison Guide. Keys FCU is an ITIN-approved lender! Click here to learn more
Keys Credit Card Benefits:
No annual fee
Mobile wallet friendly - Apple Pay, Garmin Pay, Google Pay, Fitbit Pay and Samsung Pay
Mobile management with the Keys Card Manager App
25-day grace period on new purchases
FREE authorized users (13 years old and up)
Low minimum payments
Visa® automatic account updater
CU Rewards on select cards
Keys Visa Credit Card by Rafael Antonio Medina of Island Boy Arts
Choose the card that’s right for you:
| Credit Features | Visa Signature Rewards (see additional benefits) |
Visa Platinum |
|---|---|---|
| An excellent choice if you: | Pay off your balance each month. Love to travel and earn rewards points on purchases. | Carry a balance on you card and want to pay down debt or save money with a lower rate. |
| Introductory Purchases Offer | 2.9% APR* for the first 6 months.1 | 2.9% APR* for the first 6 months.1 |
| Balance Transfer Offer | 2.9% APR* for the first 6 months from the date of first transfer.2 | 2.9% APR* for the first 6 months from the date of first transfer.2 |
| Annual Percentage Rate (APR*) | Variable rates based on the Prime Rate. | Variable rates based on the Prime Rate. |
| Maximum APR* | 18% | 18% |
| CU Rewards® Program | Yes | No |
| CU Rewards®: Visit curewards.com for details. | Earn 1 point for every dollar spent on purchases. Points do not expire. | n/a |
| Credit Limits | $5,000 to $50,000 | $1,000 to $50,000 |
| Cash Advance Fee | $0 for the first 6 months.2 | $0 for the first 6 months.2 |
| Balance Transfer Fee | $0 2 | $0 2 |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars | 1% of each transaction in U.S. dollars |
Please see our Credit Card Disclosure and Credit Card Agreements for more information.
Visa® Signature Rewards Credit Card Perks
A Visa® Signature Rewards card maximizes your purchasing power with all our core credit card benefits plus premium travel perks. Review the complete details in the Visa® Signature Guide to
Visa® Signature Concierge Service
Purchase Security & Warranty Management Service
24/7 Roadside Dispatch
Travel Accident Insurance & Emergency Assistance
Lost Luggage Reimbursement
Keys Visa Signature Rewards Card by Rafael Antonio Medina of Island Boy Arts
Visa® Business Rewards Credit Cards for Small Businesses
Visa® Business Rewards cards are the ideal small business partner. Earn valuable rewards on business purchases while accessing tools that help your company thrive. View the Visa® Business Guide to Benefits for details.
Keys Visa Business Rewards Credit Card by Rafael Antonio Medina of Island Boy Arts
25-day grace period on all new business purchases
Earn 1 CU Rewards point for every net dollar spent (points never expire)
FREE employee credit cards with custom controls
Immediate emergency card replacement and dispatch
Travel assistance, purchase security, and extended protection
Keep more money in your wallet with FREE Balance Transfers.
Transfer your other credit card balances to a Keys Visa® credit card for FREE!2 Save money with our offer of 2.9% APR* for the first 6 months from the date of the first transfer.2 To see how much you can save, use our calculator link below to compare the rate on your bank or retail credit cards with our card.
You can transfer your high-rate balances from other cards through our online banking, by calling us at 305-296-6622 or visit any branch.
CURewards®
Reward yourself for shopping smart with a Keys FCU Visa Signature or Business Rewards card. Every time you make a purchase with a Rewards card, you’ll earn CURewards points for every net dollar in purchases you charge. You can redeem your points anytime for merchandise such as HDTVs, golf clubs, or travel like airline flights, cruise and vacation discounts and even auto rental. Your monthly statement will detail your point activity. Visit curewards.com for complete details.
Frequently Asked Questions About Keys FCU Credit Cards
How do I qualify for a Keys FCU Visa® Credit Card?
To qualify for a Keys Federal Credit Union Visa® credit card, you must be or become a member of Keys Federal Credit Union. Membership is open to anyone living or working in the Florida Keys.
Are there any annual fees or balance transfer fees on Keys FCU cards?
No. Keys FCU credit cards feature $0 annual fees and $0 balance transfer fees.
Does Keys FCU offer credit cards for ITIN holders?
Yes! Keys FCU is an ITIN-approved lender. You can apply for a Visa credit card using an Individual Taxpayer Identification Number.
To qualify for a Keys Federal Credit Union Visa® credit card, you must be or become a Keys Federal Credit Union member.
*APR = Annual Percentage Rate. Subject to credit approval. Restrictions may apply. Rates are based on prime and are subject to change without notice.
Restrictions may apply. Offer not available on Keys Visa Business cards. Transaction must occur within the first six months of card issuance. Introductory APR* ends after 6 months, and balances accrue interest at the APR* in effect on your account. Offer is valid for purchases and cash advances from the date of first transaction. Offer can be modified or withdrawn at any time without notice. Please contact us for specific rate information.
Fees revert to our published fees upon expiration of offer. Check out our current fees.
