Pump up your savings with 3% cash back for every fuel-up.
MyPerks rewards add up to savings.
Earn rewards with every MyPerks purchase.
Top off your wallet with 3% cash back every time you fill up or charge up.
Learn more on how to redeem your rewards.
How this card puts money back into your pocket1
3%
cash back on gas
Save not just on gas but also at electric vehicle charging stations — get paid for your drive.
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, we’ve got you covered.
Up to 20% annual bonus
Get 5% for being a Kinecta member in good standing and another 15% when you use eligible Kinecta services.
You’re three steps away from earning a $200 bonus.
Step 1
Open a MyPerks account online or in a nearby branch.
Step 2
Receive your card the same day at a branch or by mail if applying online.
Step 3
Earn your $200 bonus when you make $3,500 in purchases with your MyPerks card within the first 90 days.
MyPerks offers more than cash rewards.
- No annual fee
- Zero liability fraud protection
- Cellphone protection
- Purchase assurance
- Car rental
- Digital wallet compatibility with Apple Pay®, Samsung Pay® and Google Pay™
- No foreign transaction fee
- Satisfaction guaranteed
Learn more about your benefits in the Mastercard Guide to Benefits brochure.
Get rewarded for your loyalty!
Get up to 20% applied toward your cash-back rewards on the anniversary of your card opening.
- Get 15% in additional rewards for using other services such as Checking Plus, share certificates and more!
- Earn 5% applied toward your cash-back rewards for being in good standing.
Access our convenient mobile banking app.
Check account balances securely.
Log in with Face or Touch ID. Customize with multi-factor authentication.
Make online payments quickly.
In just a few clicks or taps, pay bills online or via the Kinecta app.
Leverage free credit monitoring.
Stay on top of your goals with monthly credit reports, credit score reviews, and more.
Apply for a credit limit increase.
Raise your credit limit for a special purchase or an emergency.
Freeze your card to prevent fraud.
Lose your card? Use the Kinecta mobile app to immediately stop any unwanted purchases.
Redeem rewards and much more!
Easily apply your rewards to your MyPerks account with the Kinecta mobile app.
Read why Kinecta members love this app.
What does APR mean when it comes to credit cards?
APR stands for the Annual Percentage Rate you’ll pay on your credit card’s balance. APR only applies if you carry a balance from month to month.
Can I withdraw cash from my MyPerks card?
Yes, you can withdraw cash using your MyPerks credit card. The rate2 for a cash advance is between 16.49% and 18.00% and is subject to change. The Cash Advance Fee is 3.00% of the amount of each cash advance or $10, whichever is greater ($100 maximum).
Are there limits to the amount of cash-back rewards I can receive?
No, cash-back rewards are unlimited.
Are there any foreign transaction fees for this card?
No, the MyPerks card does not have any foreign transaction fees.
How long does it take to get accepted or declined for the MyPerks card?
If you apply online, it can take up to 2–6 business days for approval or declination. If you apply in person, you can find out the same day.
How do I redeem my cash-back rewards?
You can redeem your cash-back rewards in your Kinecta digital banking account. Hover over Accounts and click on "Card Rewards". You can also redeem your rewards balance by calling the number on the back of your card.
Members can also call 888.806.7833 to redeem rewards.
For more details, click here to view the Cash Back Rewards Program details.
How are the loyalty rewards calculated?
Loyalty rewards are earned based on all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle.
- Loyalty rewards are paid to a Cash Back Rewards balance and can be redeemed for a statement credit or cash back to a Kinecta savings or checking share, and are non-transferable.
The Relationship Bonus3 is applied toward cash-back rewards earned from the date the account is opened. The Relationship Bonus is paid on the anniversary of the card opening and is accrued on cash-back rewards earned.
Payment Example: Earned cash-back rewards of $228 would generate a Relationship Bonus of $45.60 (20% of $228) for a total annual reward of $273.60.
*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change.
MYPERKS TERMS AND CONDITIONS - click here.
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.
†Membership 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.
1Earn 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.
2Rates are accurate as of 12/01/24. The standard variable APR (Annual Percentage Rate) for Purchases and Balance Transfers is 14.49% - 18.00% (minimum of $500 transfer) and 16.49% - 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); No Foreign Transaction Fees. 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.
3Relationship 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: Checking Plus, Business Essentials Checking, share certificate, mortgage loan, vehicle loan, Kinecta Financial & Insurance Services investment account, and/or a business loan.
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