Keesler Federal Credit Union Cash Back Visa

The Keesler Federal Credit Union Cash Back Visa stands out as an exceptional choice for cardholders looking to maximize their everyday spending through a lucrative cashback rewards program. Whether you’re purchasing groceries, dining out, or shopping online, this credit card delivers value with every dollar spent.

Card Type

This card is classified as a cashback credit card, designed to reward cardholders for their regular expenditures by offering cashback on eligible purchases. This makes it an ideal choice for individuals seeking to earn rewards effortlessly during their daily transactions.

Annual Fee

The Keesler Federal Credit Union Cash Back Visa comes with no annual fee, making it an attractive option for consumers who want to earn rewards without incurring a yearly cost. This feature places it ahead of many competing cards that impose hefty annual fees.

Rewards Program

With the Keesler Federal Cash Back Visa, cardholders can enjoy a robust rewards program. The card offers 1.5% cashback on all qualified purchases, providing a straightforward and easy-to-understand rewards structure. Users can redeem their cashback for various options, such as statement credits, direct deposits, or gift cards, ensuring flexibility in how they utilize their earned rewards.

Sign-Up Bonus

New applicants can benefit from an enticing welcome offer. After qualifying by spending a minimum of $1,000 within the first three months of account opening, cardholders will earn a $150 cashback bonus. This compelling incentive encourages new users to maximize their rewards right from the start.

APR (Annual Percentage Rate)

The Keesler Federal Credit Union Cash Back Visa features a competitive regular APR of 13.49% to 17.99%, depending on the applicant’s creditworthiness. This card does include an introductory APR offer of 0% for the first 12 months on purchases, allowing cardholders to finance larger purchases without interest charges during the introductory period.

Foreign Transaction Fees

For those who travel abroad, the Keesler Federal Cash Back Visa does not charge foreign transaction fees. This makes it an excellent option for international travelers looking to make purchases without incurring additional costs.

Balance Transfer Options

The card also offers special balance transfer options. Cardholders can take advantage of an introductory 0% APR on balance transfers for the first 12 months, with a balance transfer fee of 3%. This feature can be beneficial for those looking to consolidate debt from higher-interest credit cards.

Additional Fees

Beyond standard fees, it is essential to be aware of other charges associated with the Keesler Federal Cash Back Visa. The card incurs a late payment fee of up to $25 and a cash advance fee of 3% of the transaction amount. Awareness of these fees can help users manage their card usage efficiently.

Card Benefits and Perks

Cardholders of the Keesler Federal Cash Back Visa enjoy a plethora of benefits and perks. These include travel insurance, concierge services, and access to emergency card replacement. These features add significant value to the card, especially for frequent travelers.

Customer Protections and Insurance

In terms of safety, this credit card provides robust customer protections. Cardholders benefit from $0 fraud liability, ensuring that they are not responsible for unauthorized charges. Additionally, purchases made with the card may be covered under purchase protection and rental car insurance, offering peace of mind during spending.

Eligibility and Credit Score Requirements

To qualify for the Keesler Federal Cash Back Visa, applicants typically need a credit score of 650 or higher. Keesler Federal Credit Union considers various factors during the application process, including income and credit history, to determine eligibility.

Introductory Offers

As previously mentioned, the card features an introductory offer of 0% APR on purchases and balance transfers for the first 12 months. Following the introductory period, the APR reverts to the standard rate based on the applicant’s credit profile.

Special Features or Unique Selling Points

The Keesler Federal Cash Back Visa distinguishes itself through its no foreign transaction fees and the straightforward cashback rewards structure, making it a very user-friendly credit card that appeals to a broad audience. Its simplicity and flexibility set it apart from other cards with complicated rewards systems.

How to Apply

Applying for the Keesler Federal Cash Back Visa is convenient. Potential cardholders can complete their applications online or visit their nearest Keesler Federal Credit Union branch. To start the process and see if you qualify, visit the UpCube.net.