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MyPerks Rewards

Earn rewards as easy as 3, 2, 1.

MyPerks Rewards Credit Card

There’s no annual fee1 for the card that gives you cash-back2 on the things you buy everyday:

  • 3% cash back on gas – get paid for your commute
  • 2% cash back on groceries – you don’t need to clip coupons to save
  • 1% cash back on everything else – from coffee to a night on the town
  • Relationship Bonus Rewards3 – up to 20% of your cash back rewards every year

Redeem Rewards  Apply Now

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Benefits Features
Same day reissue for new accounts and damaged cards Zero Liability when you notify us promptly at 800.854.9846
No annual fees Mastercard ID Theft ProtectionTM
Emergency replacement Chip technology
Easy access to our Loan Servicing Team for payment deferrals, workout plans, and payoff statements. Travel and text alerts
  Digital wallet compatibility with Apple Pay, Samsung Pay, and Google Pay
  Cash advances


Annual Relationship Bonus3

Kinecta rewards our members every year for your loyalty. It’s how we say thank you.

  • 5% for being a Kinecta member in good standing
  • 15% for using other eligible Kinecta services
  • 5% + 15% equals up to a 20% annual bonus!

Manage Credit Cards with Online Banking

Check balances, make payments, freeze your card, set alerts, apply for credit limit increases, and more.

It’s easy and secure.

Enroll in Credit Card eStatements

View and download eStatements to reduce your risk of mail fraud and identity theft.

Debt Cancellation Protection5

This protection helps cover all, or a portion of, your credit card and auto loan debts in case of death, disability, or involuntary unemployment.

0% Balance Transfer Promotional Offer4

Pay down existing high rate credit cards with a 0% introductory APR on balance transfers for 18 months. Just initiate the transfer within 90 days of account opening. After the introductory period, the rate on transferred balances will convert to our standard low variable APR of 9.99% to 18.00. A balance transfer fee of 3% ($10 minimum) will apply.

*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change.  


Subject to credit approval. You must be 18 years old to qualify (19 in AL and NE). 

Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type.  

1Rates are accurate as of 06/01/21. The standard variable APR (Annual Percentage Rate) for Purchases and Balance Transfers is 9.99%-18.00% (minimum of $500 transfer) and 11.99%-18.00% for Cash Advances. Rates are variable and subject to change. Transaction Fees: Balance Transfer Fee is 3.00% of the amount of each transfer ($10 minimum); Cash Advance Fee is 3.00% of the amount of each cash advance or $10, whichever is greater ($100 maximum); Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. Penalty Fees: Late Payment is up to $20; Returned Payment is up to $25. If you are charged interest, the charge will be no less than $1.00. For current information, see an associate or call 800.854.9846.

2Earn 3% on gas (up to $6000 in annual purchases) and 2% on groceries (up to $6000 in annual purchases). Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments.  

3Relationship Bonus. Paid as a statement credit 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 statement 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: Checking Plus, Business Essentials Checking, share certificate, mortgage loan, vehicle loan, Kinecta Financial & Insurance Services investment account, and/or a business loan. 

4Balance Transfer Offer. In order to receive the introductory rate of 0.00% APR for 18 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.  

5Debt Cancellation Protection. Available for personal credit cards and auto loans and is optional. Debt Cancellation will not affect your application for credit or the terms of any existing credit agreement you have with Kinecta. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Debt Cancellation. For a full explanation of terms, contact a Kinecta branch or call our Member Contact Center at 800.854.9846. 

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