Credit Cards

Visa Platinum Rewards

 

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Earn rewards with every purchase

Make all your purchases more rewarding, in person and online, with a KCT Visa® Platinum Rewards credit card.

  • No Annual Fees*
  • Fixed interest rates at 11.99%, 13.99% or 16.99% APR.' 
  • Mobile wallet enabled
  • Earn 1 point for every $1 you spend. Plus, choose from hundreds of great rewards including gift cards, merchandise, travel and more at KCTRewards.org.
  • Receive 6,000 bonus points when you spend $1,000 in the first 45 days of opening your card. That’s enough points for a $50 gift card!
  • Participate in special offers from hundreds of merchants when you use your KCT Visa Platinum Rewards Credit card. Learn more about current merchant offers at KCTRewards.org.
  • Track your purchases with KCT Online and the KCT Mobile app.
  • Use your card at millions of places, around the corner, online and all over the world.
  • Your purchases are protected with Visa's Zero Liability Policy.**
  • Use Visa Checkout when you shop online to speed up purchasing by eliminating the need to enter your billing and shipping information.
  • With your Visa Platinum Rewards card, you’re covered for damage due to collision or theft with Visa’s Auto Rental Collision Damage waiver''. Secure and charge your rental to your covered card and decline the collision damage waiver (or loss damage waiver) offered by the rental agency.

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'Annual Percentage Rate (APR). The rate you receive is based on your credit score. Membership and other qualifications apply.

**Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial transactions, PIN or other transactions not processed by Visa. You must notify KCT immediately of any unauthorized use.

''Excluded countries include Ireland, Northern Ireland, Israel, Jamaica and other countries where precluded by law or in violation of the territory terms of the rental agreement. Other restrictions, limitations and exclusions may apply.

 

Visa Platinum

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Enjoy an easier way to pay, every day.

Make all your purchases easy and secure, in person and online, and receive competitive interest rates with a new KCT Visa® Platinum Credit card. 

Enjoy the convenience of Visa and great service from KCT

  • Simplify your everyday purchases
  • No annual fees*
  • Mobile wallet enabled
  • Fixed interest rates at 7.99%, 9.99% or 12.99% APR'
  • Get Visa's Zero Liability Policy fraud protection**
  • Use it at millions of places worldwide
  • Track all your purchases with KCT Online and the KCT Mobile app
  • Use Visa Checkout when you shop online to make purchasing more convenient
  • With your Visa Platinum card, you’re covered for damage due to collision or theft with Visa’s Auto Rental Collision Damage waiver''. Secure and charge your rental to your covered card and decline the collision damage waiver (or loss damage waiver) offered by the rental agency.

Apply Now

 

'Annual Percentage Rate (APR). The rate you receive is based on your credit score. Membership and other qualifications apply.

**Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial transactions, PIN or other transactions not processed by Visa. You must notify KCT immediately of any unauthorized use.

'Excluded countries include Ireland, Northern Ireland, Israel, Jamaica and other countries where precluded by law or in violation of the territory terms of the rental agreement. Other restrictions, limitations and exclusions may apply.

Visa Classic

Make all your purchases easy and secure, in person and online.

Build your credit with the KCT Visa Classic Credit card


Apply today for a KCT Visa Classic Credit card. This is the perfect card for members who are looking to establish or rebuild their current credit score. 

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  • Simplify your everyday purchases
  • No annual fees*
  • Mobile wallet enabled
  • Fixed interest rates at 17.99%, 19.99%, 23.99% or 27.99% APR'
  • Get Visa's Zero Liability Policy fraud protection**
  • Track all your purchases with KCT Online and the KCT Mobile app
  • Use Visa Checkout when you shop online to make purchasing more convenient
  • With your Visa Classic card, you’re covered for damage due to collision or theft with Visa’s Auto Rental Collision Damage waiver''. Secure and charge your rental to your covered card and decline the collision damage waiver (or loss damage waiver) offered by the rental agency.

 

'Annual Percentage Rate (APR). The rate you receive is based on your credit score. Membership and other qualifications apply.

**Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial transactions, PIN or other transactions not processed by Visa. You must notify KCT immediately of any unauthorized use.

'Excluded countries include Ireland, Northern Ireland, Israel, Jamaica and other countries where precluded by law or in violation of the territory terms of the rental agreement. Other restrictions, limitations and exclusions may apply.

Paying online just got easier with Visa Checkout.

Visa Checkout is the easier way to pay with your card online - from the company you know and trust.

Convenience: Pay with a single login from any device. You no longer have to re-enter payment and shipping information when shopping on websites that use Visa Checkout.

Security: Brought to you by the company you trust, and backed by Visa's Zero Liability Policy*.

Rewards: Enjoy everything you already love about your card.

Look for the Visa Checkout logo when you pay online.

*Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details,please consult a KCT Credit Union Member Services Representative.

Enjoy your special savings

One of the great benefits of your KCT Visa® card is your ability to participate in special merchant offers. 

Choose from a variety of discounts at your favorite stores, restaurants, travel agencies and more!

Click the button below to see current offers from hundreds of merchants. 

Visa Merchant Offers

Are you ready for Valentine's Day?

Make your special someone smile this Valentine's Day with truly original flowers and gifts from 1800Flowers.com®. Shop now with your KCT Visa card for fresh flowers, gourmet gift baskets, chocolates and more!

To redeem this offer, visit www.1800flowers.com and enter promotion code VISA38 at checkout. Or call 1-800-FLOWERS (1-800-356-9377) and mention promotion code VISA38.*

No purchase or obligation necessary to win. Non-purchase entries and purchase entries have an equal chance of winning. Sweepstakes is open only to legal residents of the fifty (50) U.S. and D.C., 18 years of age or older as of January 1, 2018, and legal residents of Canada who are of the age of legal majority in their territory or province of residence as of January 1, 2018. Begins at 12:00:00 AM Pacific Time (“PT”) on January 1, 2018 and ends at 11:59:59 PM PT on February 28, 2018 (“Promotional Period”). To enter: 1) Automatic Entry: An eligible Visa cardholder will automatically receive one (1) Sweepstakes entry for each purchase made with an eligible Visa card within the U.S. or Canada during the Promotional Period at a participating merchant location in the U.S. or Canada. Certain restrictions may apply. 2) Non-Purchase Entry: To enter without an eligible Visa card, purchase or obligation by postal mail by hand-printing your name, address, city, state/province/territory, ZIP or postal code, email address, and daytime and evening telephone numbers (including area code) on a 3” x 5” card, and mail, in a #10 envelope with sufficient postage affixed, to: Visa Olympic Winter Games Sweepstakes 2018, P.O. Box 795, Plainview NY USA 11803-0795 Mail-in entries must be postmarked by February 28, 2018, and received by March 7, 2018 in order to be eligible, Enter as often as you wish; however each mail-in entry must be mailed in a separate, postmarked-and-stamped envelope. No mechanical entries allowed. Grand Prize Description: (1) Grand Prize: a 7-day/6-night trip for two (2) people (winner and one (1) guest) to the winner’s choice of any past Olympic Winter Games Host City (See Official Rules for a list of eligible host cities.). Prize includes round-trip coach class, air transportation for two (2) people from a major international U.S. or Canadian gateway airport nearest the winner’s home to selected Host City, round-trip transportation to/from airport and hotel, hotel accommodations (one (1) room, double occupancy), a private or small group tour of local area, and a $1,000 USD ($1,297 CDN) Visa Prepaid product (for Grand Prize winner only) (the “Grand Prize”). Grand Prize will also include $6,660 USD ($8,635 CDN) cash (awarded in the form of a check to the winner) that may be used toward the payment of any/all applicable taxes and withholdings associated with the Grand Prize. The Approximate Retail Value (“ARV”) of Grand Prize: $21,660 USD ($28,086 CDN). All Canadian dollar conversion rates are as of July 7, 2017. Odds: Estimated odds of winning a Grand Prize are 1 : 10,287,063,308 however, the actual odds of winning depend upon the total number of eligible entries received from all eligible jurisdictions. Sweepstakes subject to complete Official Rules, which may be obtained at this location or at www.Visa.com/GoldenOpportunity. PIN-based and ATM transactions are not eligible. Void in Puerto Rico and where prohibited. Sponsors: The Sponsors of this Sweepstakes are Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999 and Visa Canada Corporation, P.O. Box 124 Toronto, ON M5H 3Y2.

*Prices & Discounts are exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Offer available online and by phone. Offer cannot be combined, are not available on all products and are subject to restrictions, limitations and blackout periods. Prices and charges are subject to change without notice. Merchandise value is defined as gross sales less taxes, service, relay, shipping and handling charges. ©2018 1-800-FLOWERS.COM, INC. Void where prohibited or restricted by law. Offer valid only when you pay with your Visa card. Any taxes are the sole responsibility of the purchaser.

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