Credit cards

Credit Cards


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However you like to spend, have your choice of credit card benefits.



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Balance Transfers & Cash Advances

0% APR4 thru 2022

then as low as 8.25% APR

Carrying a balance on other credit cards? Simply transfer from your Kalsee credit card in online banking or speak with a Member Service Representative and save!




1.5% Cash Back Visa Signature®


11.25% 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.



Low Rate Visa Traditional®


8.25% as low as APR1


Every dollar counts. Save with our lowest rate. A simple card with the best value for your balance.


Apply online for a great, low rate







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.

There's an app for that


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.

More payment options




Frequently Asked Questions:

Your Interest rate will change monthly based on an index, the Prime Rate per the Wall Street Journal. Your current rate will show on your monthly statement.
Your minimum payment is calculated as 2.0% of your outstanding balance.

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).

Boost Your Credit Score Blog

Yes, please call us at 269.382.7800 or log a travel notification via our Cards App so that our fraud prevention services can protect you while you travel without interrupting your ability to use your card.
If our proactive fraud protection services detect a transaction on your card that doesn't match your usual spending patterns, the transaction will be likely be declined. An immediate attempt to contact you via phone or text will be made to confirm whether the transaction was authorized. If you confirm the transaction was authorized, service on your card will be immediately restored. If the transaction is fraudulent, action will be taken to protect your account and provide you with a new, uncompromised card number.
Your cash back will automatically post each month as a statement credit to your credit card account or (if you select when you open your account or by contacting us) to your Kalsee checking or savings.
Call 866-550-1671.
Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.



More to Explore

1 APR = Annual Percentage Rate. Rates subject to change. 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.

4 APR = Annual Percentage Rate. Intro balance transfer and cash advance APR is 0.00% for each transfer or cash advance that posts to your account between 2/1/22 and 4/30/22, through 12/31/22. After the expiration of your discounted rate the remaining unpaid portion of the original balance transfer request will be subject to your normal variable APR as outlined on your monthly statement based on the specific KALSEE credit card selected. Current rates range from 8.25% APR to 18.00% APR. Payments will be credited to balances with the highest applicable APR first. No balance transfer fee or cash advance fee. If account becomes delinquent 60 days or more, balances subject to the promo rate will revert to the penalty APR of 18.00%. Current KALSEE loans and card balances not eligible.

The legal age to apply for and obtain credit is 18 years of age.

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How Do I...

Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
KALSEE Credit Union offers Comprehensive Identity Theft Protection for members and their families for only $2.00/month. Learn more about ID Protect.
We offer several convenient options for making your loan payment. Learn more.
Call 866-550-1671.

Don't see your question listed?
Visit our FAQ page.