Elevate your power with MyPower.
- $0 annual fees
- Up to $35,000 credit limit available
- Same-day decision for branch or virtual appointments
Find freedom in our low rate credit card
Keep more power — and more money — in your wallet.
With the MyPower credit card, you’ll enjoy low rates so you can focus on what matters — paying it off. Discover how it feels to be in control.
MyPower has your back.
- Zero liability fraud protection
- Contactless technology
- Travel and text alerts
- Digital wallet compatibility with Apple Pay®, Samsung Pay® and Google Pay™
- No foreign transaction fees
View more benefits in the Mastercard Guide to Benefits brochure.
For a limited time, 5.99% APR* balance transfers1 for 12 months.
Pay off higher-rate credit cards from other institutions with a 3% transfer fee. After the intro period, the rate will convert to our standard variable APR.
- Standard APRs start at only 12.49%.
- Kinecta APRs won’t exceed 18%.
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.
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 MyPower card?
Yes, you can withdraw cash using your MyPower credit card with a 3% fee or $10, whichever is greater. The rate for a cash advance is between 14.49% and 18.00% and is subject to change.
How long does it take to get accepted or declined for the MyPower 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 quickly does my credit card arrive after I’ve been approved?
- If you applied in person, you can get a same-day issuance.
If you applied online, your card can take around 10 business days to arrive after approval.
Members can access their virtual card number immediately the day you are funded on online banking. So no need to wait for the physical card, spend immediately.
Can I apply for the MyPower card if I already have the MyPerks card?
Yes, you can apply for a MyPower credit card even if you have a MyPerks credit card.
Membership Requirements Apply.
*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.
Transaction Fees: Cash Advance Fee is 3.00% of the amount of each cash advance or $10, whichever is greater; No Foreign Transaction Fees. Penalty Fees: Late Payment is up to $30; 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.
MYPOWER TERMS AND CONDITIONS - click here.
Subject to credit approval. You must be 18 years old to apply (19 in AL and NE).
Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type.
1Balance 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.
Apple Pay is a registered trademark of Apple, Inc.
Google Pay is a trademark of Google, LLC.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.