Manage Credit Cards and Rewards in Online Banking
Securely check balances, make payments, freeze your card, set alerts, apply for credit limit increases, redeem earned rewards and more.
It’s easy and secure.
There’s no annual fee1 for the card that gives you cash back2 on the things you buy everyday:
- 3% cash back on gas and 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
- Up to 20% annual bonus3 – rewarding you for your loyalty
Redeeming rewards is easy. Click here to learn more.
Today's Rate
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| Benefits | Features |
|---|---|
| Mobile Phone Protection | No annual fee1 |
| Car Rental Insurance | Contactless technology |
| Purchase Assurance | Digital wallet compatibility with Apple Pay, Samsung Pay, and Google Pay |
| Satisfaction Guarantee | Zero Liability when you notify us promptly at 800.854.9846 |
| View details in the Mastercard Guide to Benefits brochure | Mastercard ID Theft Protection™ |
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
*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.
1Rates are accurate as of 09/01/23. The standard variable APR (Annual Percentage Rate) for Purchases and Balance Transfers is 15.24% - 18.00% (minimum of $500 transfer) and 17.24% - 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.
2Earn 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.
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.
4Debt 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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