*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.

** Select states only.

Membership requirements apply.

Subject to credit approval. You must be 18 years old to apply (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. 

⁵Membership requirements apply. Offer valid for new MyPerks cardholders only and limited to one per member. Purchase transactions made in first 90 days of account opening qualify. Purchases do not include balance transfers, cash advances, any checks that access your account, interest, unauthorized or fraudulent charges, adjustments, and fees of any kind. Your MyPerks card must be in good standing to receive the bonus. Bonus is non- transferable and will be added to the rewards program within two billing cycles of qualification where it can be redeemed for cash. Bonus may be subject to IRS tax reporting. Cardholder may receive a 1099 Form from Kinecta for the bonus. Cardholder is solely responsible for the payment of any applicable taxes. Please consult your tax professional. Kinecta reserves the right to revoke or amend this offer at any time.

⁶MyPerks Balance 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.

⁷MyPower Balance Transfer Offer. In order to receive the balance transfer introductory rate of 5.99% 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.

^†Cash Back. 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. MyPro. Earn 3% on gas, electric vehicle charging stations, office supplies and 2% on dining, entertainment and travel. 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. 

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.