• Up to 3% cash back on purchases
• Up to 20% annual relationship bonus
Earn rewards with every MyPerks purchase
Apply for a credit card today.
Preferred Kinecta credit cards
Member Contact Center: 800.854.9846
Bank | Borrow | Insure | Invest
Membership requirements apply.
Subject to credit approval. You must be 18 years old to apply (19 in AL and NE).
*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change. This is Kinecta’s most recent published rate.
1MyPerks terms & conditions - click here.
MyPerks: Earn 3% on gas, electric vehicle charging stations and 2% on groceries. Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments.
Relationship Bonus: Paid to Cash Back Rewards balance and is non-transferable. The Relationship Bonus is applied toward Cash Back Rewards earned from the date the account is opened.
Relationship Bonus is paid on anniversary of card open and accrued on Cash Back Rewards earned. Representative payment example: Earned Cash Back Rewards of $228 would generate $45.60 in Relationship Bonus for a total annual reward of $273.60.
After qualifying, the cash bonus will be posted to your account within the next two billing cycles. To be eligible for this bonus credit, your account must be open and in good standing at the time of fulfillment. Kinecta reserves the right to modify or revoke offer at any time. Members are responsible for any taxes related to cash bonuses. For more details about the Cash Back Reward Program, click here.
Eligible products include: ProtectPlus™ checking, Business Essentials Checking, share certificate, mortgage loan, vehicle loan, Kinecta Financial & Insurance Services investment account, and/or a business/commercial loan.
2Balance Transfer Offer. In order to receive the balance transfer introductory rate of 8.99% APR for 12 months, a balance transfer must be requested within ninety (90) days of account opening (minimum $500 transfer). Allow 15-30 business days to complete balance transfer. A 3% balance transfer fee (minimum $10) will be added to your minimum payment due at the first billing cycle. This balance transfer request may not be used to repay any existing Kinecta loans including but not limited to auto loans, mortgage loans, lines of credit, or Kinecta credit cards.
3MyPower terms & conditions - click here.
Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Member Contact Center: 800.854.9846
Routing # 322278073
©2025 Kinecta Federal Credit Union | All Rights Reserved | Federally Insured by NCUA
MyPerks1
- 8.99% APR* balance transfers2 for 12 months
- Up to 3% cash back on purchases
- Up to 20% annual relationship bonus
MyPower3
These accolades speak for themselves.
Forbes’ Best-In-State Credit Unions List
Democrat & Chronicle Community Choice Award
Mortgage Bankers Association Residential Leadership Award
See what others have said about our credit cards.
Giselle
The process was super quick and I was even able to leave with the physical card already activated. Both [of the associates] are amazing, thank you for helping me!
Redondo Beach, CA
7/6/2022
Yelp
Shawn
[The associate] got me a better rate on my credit card and did the balance transfer easily. Thank you [associate] for the great service.
Huntington Beach, CA
5/30/2020
Yelp
Deanoo
[Kinecta] has helped me through it all. I've built my credit from the low 500s to to the mid 700's! Humble, knowledgeable, friendly, and more.
Carson, CA
11/30/2022
Yelp