Make your summer trip 3% more fabulous with MyPerks1.
In addition to the MyPerks credit card, Kinecta offers a range of credit cards to suit your personal or business needs.
MyPerks1
Get cash-back rewards for the items you purchase
every day with no annual fee.
• Up to 3% cash back on purchases
• Up to 20% annual relationship bonus
• Credit-building card option available
MyPower2
No fees and low interest rates that big banks
just can’t match.
• $0 annual fee
• $0 late fee
• $0 balance transfer fees
• $0 cash advance fees
• 0% foreign transaction fees
MyPlan3
Build or rebuild your credit with a secured card that helps you spend what you can afford.
• Low annual fee
• Great for students
MyPro Business Credit Card4
Receive cash-back rewards for commercial purchases.
• No annual fee
• Up to 3% cash back on purchases for your business
• Up to 20% annual relationship bonus
Manage your credit card with online banking.
Stay on top of your account by checking your balance regularly.
Keep your account safe by freezing it if you notice unusual activity.
Quickly apply to increase your credit limit for more flexibility.
Easily make payments with online banking.
View monthly spending or download statements.
Frequently asked questions
What credit score is needed to apply for a Kinecta credit card?
Kinecta offers several types of credit cards, and more than an applicant’s credit score gets considered. For those looking to improve/build their credit, Kinecta offers a secured credit card.
How can I improve/build my credit?
The need to improve or rebuild credit varies from one individual to another. Consider these helpful tips:
1. Pay down revolving credit balances.
2. When possible, pay more than the minimum payment due each month.
3. Pay bills on time.
4. Check your credit report for errors.
5. Consider applying for a secured credit card.
What is a secured credit card?
A secured credit card helps you build or rebuild your credit by helping you spend what you can afford. Your credit limit equals the balance in the account you pledge as collateral (minimum of $500). The MyPlan card has a low annual fee of $25.
What is credit card APR?
APR stands for annual percentage rate. It is the rate of interest borrowers pay on balances carried on their credit cards for purchases, cash advances and balance transfers. APR may vary and is subject to change.
Membership requirements apply.
Subject to credit approval. You must be 18 years old to qualify (19 in AL and NE).
1MYPERKS TERMS & CONDITIONS - click here.
2MYPOWER TERMS & CONDITIONS - click here.
3MYPLAN TERMS & CONDITIONS - click here.
4MYPRO RATES 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.