4.99% APR4 for 9 months
Then as low as 13.00% APR4
Get this limited-time rate, 4.99% APR4 on all new credit card purchases and balance transfers for 9 months when you open a new Kalsee credit card!
However you like to spend, have your choice of credit card benefits.
1.5% Cash Back Visa Signature®
15.75% as low as APR1
Life’s complicated. Your cash back doesn’t have to be. No categories to keep track of, no minimums or maximums.
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1.5% cash back on all purchases in a monthly statement credit or deposit to checking or savings, with no limit
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Credit limits from $5,000 to $30,000
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Visa Signature benefits3, like Roadside Dispatch, Travel Emergency Assistance Services, Identity Theft Protection, Visa Concierge, Visa Luxury Hotel Collection, and other discounts
Low Rate Visa Traditional®
12.75% as low as APR1
Every dollar counts. Save with our lowest rate. A simple card with the best value for your balance.
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Low variable rate
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Credit limits from $300 to $30,000
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Secured option for building or repairing credit
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Visa Traditional benefits3, like Roadside Dispatch, Identity Theft Protection, and other discounts
No Annual Fee, No Application Fee, and a 28-Day Grace Period
Pay your balance in full within 28 days and avoid paying interest on purchases.
Mobile Payments
Add your Kalsee debit and credit cards to your favorite mobile wallets for the latest in convenience and security. Apple Pay, Samsung Pay, Google Pay... wherever you pay.
Cards App
Protect your cards from fraud attempts. Lock/unlock your cards in real time, report cards lost or stolen, set limits on the amounts or types of transactions allowed on your card, notify us when you plan to travel, and receive card activity notifications.
Security Features
You can shop with confidence online and anywhere else when you use your Kalsee Visa credit card. Plus, your card is safer than carrying cash. That’s because Kalsee and Visa work 24/7 to prevent, detect, and resolve fraud.
- EMV chip technology
- Proactive, real-time fraud monitoring
- Identity theft assistance
- Our Zero Liability2 policy means you don’t pay for unauthorized use of your credit card
- With Verified by Visa, your identity is confirmed through a personal password while shopping at participating online merchants
Easy Payment Options
Make payments from your Kalsee account instantly or from your other financial institution via ACH transfer. Or simply transfer funds for a cash advance.
Frequently Asked Questions:
When used carefully, a credit card is a great tool for building credit. Your credit score takes into account a number of factors, such as types of credit (installment vs. revolving), length of credit history (the longer you've had the account/loan, the better), and of course how well you make your payments. Opening a credit card account as early as possible can help you establish longer credit history. And responsibly maintaining your credit card helps prove to future lenders that you're a safe borrower. A secured credit card (secured by funds held in a savings account) is a great option for getting started.
Just be careful not to build up a balance that you can't easily repay. Suggestion: Designate your credit card for certain types of purchases only (gas is a great option due to the large holds gas stations place on pre-authorized pump purchases—it's a good idea not to tie up your debit card/checking funds with that hold).
More to Explore
1 APR = Annual Percentage Rate. Rates subject to change, varies with the market based on the Prime Rate. Some restrictions may apply. Approval subject to credit union requirements and underwriting guidelines. Click for full Credit Card Agreement and Disclosures.(Opens in a new Window)
2 Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
3 Visa Signature benefits are subject to change. See the Visa Signature website and Visa Traditional website for details.
The legal age to apply for and obtain credit is 18 years of age.
4 APR = Annual Percentage Rate. 4.99% introductory APR on purchases, balance transfers, and cash advances for 9 statement cycles from account opening for new consumer Kalsee credit card accounts opened prior to 12/31/2024. Thereafter the APR will be your prevailing variable rate based on the Prime Rate, currently as low as 13.00%. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and, collateral conditions. All loans subject to approval.
