KCT Purchasing Card

Earn up to 1.5% cash back* with every purchase!

The KCT Purchasing Card offers comprehensive control of your purchasing process. With robust reporting and with Visa’s worldwide merchant acceptance, it's an ideal solution for streamlining purchases and payments. Advanced card controls available through the Visa Spend Clarity for Business portal allow you to control employee card usage, with the ability to restrict usage based on spending amounts, merchant categories, location, and business hours. The Visa Business Mobile app puts the power of Visa Spend Clarity for Business into the palm of your hand. Cardholders will have the ability to view and categorize card transactions and effortlessly add photos of receipts and notate/categorize transactions while on the go, with near real-time transaction notifications..

  • Steamlined purchasing and payments
  • Customized card design
  • Robust card-level controls and reports
  • Visa Liability Waiver**
    - Security and coverage when providing KCT Purchasing cards to employees
    - Protect your business with essential safeguards
  • Purchases protected by Visa's Zero Liability Policy***
  • Auto Rental Collision Damage Waiver^
  • Travel and Emergency Assistance2
  • Worldwide card acceptance with Visa

The KCT Purchasing Card is ideal for:

Organizations seeking to save time and money, as well as to gain control and visibility over spending, often across multiple departments and projects, and increase compliance with their internal policies.

Program Administrators who need to manage organizational spending and who need access to simple and efficient oversight of their spending and card administrative functions.

Employees who require a consistently available payment option for purchases of goods and services in person, online, or over the phone. Cardholders can easily add photos of receipts, notate, and categorize transactions through the app.

Call us at 847.929.4395 to learn more or click here to apply now! 


*Rebate Schedule:
Cash back is calculated and paid on a quarterly basis via a deposit into a KCT Credit Union savings account or provided to your organization in the form of an official check.
Choose one:
• 1.5% cash back if you pay balance within 7 days
• 1.35% cash back if you pay balance within 25 days

**To comply with Visa Liability Waiver obligations, you must mail or fax to you a letter requesting the cancellation of the account. This letter must be sent within two (2) business days of the Notification of Termination Date to remain eligible for the total waiver period.
The claim must be filed with the Card Program Manager within 180 days of Notification of Termination.
Notification of Termination Date means the date the cardholder gives to his/her employer or receives from his/her employer oral or written notice of immediate or pending termination, or the date the cardholder leaves his/her employer, whichever is earlier.
Account must be canceled within two (2) business days following the Notification of Termination Date.

***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.

^Auto Rental Collision Damage Waiver (ARCDW) will reimburse a covered cardholder for the repair or replacement of a damaged rental vehicle due to collision, theft, or other physical damages, up to the actual cash value of most rental cars. ARCDW provides automatic protection when you decline the comparable coverage from the rental company and pay for the auto rental with your KCT Purchasing Card. The cardholder and everyone permitted by the auto rental contract as additional drivers are covered. Available in the U.S. and most foreign countries, ARCDW reimburses the cardholder up to the actual value of most rental cars for theft or damage not covered by the auto rental company, the cardholder's personal insurance, employer, or employer's insurance.1
The benefit covers:
• Physical damage and theft of the covered rental vehicle
• Valid loss-of-use charges imposed and substantiated by the auto rental company
• Reasonable and customary towing charges, due to covered theft or damage, to the nearest qualified repair facility
The cardholder and all those permitted by the auto rental contract as additional drivers are covered. The program will cover rentals for up to 15 days within the U.S. and up to 31 days outside the U.S.
1Excluded 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.

2Travel and Emergency Assistance Services