Rewards - MyPerks1
Our MyPerks card gives you cash-back rewards for the items you purchase every day with an annual loyalty perk.
Credit Cards
Safe and secure payment options.
Today's Rates
Get your credit limit in a single click!
Curious how much credit you could qualify for, but afraid a hard credit pull will negatively impact your credit score5? Fear no more!
Kinecta gives you the ability to obtain your own custom offers with The Button. Find out instantly which card is best for you and the amount of credit you could receive.
Standard Features on all Mastercard® Credit Cards
In a world that is becoming increasingly digital, Kinecta offers credit cards with the latest security enhancements and fraud protections. We try to make your world just a little bit safer.
Features: Mastercard ID Theft ProtectionTM, Chip Technology, Digital Wallet Compatibility with Apply Pay, Google Pay, and Samsung Pay, Travel Alerts, Emergency Replacement, Cash Advances, and Zero Liability
Featured News
Kinecta wins South Bay’s Best for 2021!
Thank you to Daily Breeze readers and our loyal members for voting us the South Bay’s Best Credit Union for 2021!
Secure Your Event with Event Insurance
The cost of a wedding can be considerable, and tying the knot often means being tied to specific dates and financial commitments with a variety of vendors.
New Mobile Banking App Features
Your Kinecta mobile banking app has brand new features ready for you to use today.
*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.
Membership requirements apply.
Subject to credit approval. You must be 18 years old to qualify (19 in AL and NE).
1MYPERKS TERMS & CONDITIONS - click here.
2MYPOWER TERMS & CONDITIONS - click here.
3MYPRO RATES TERMS & CONDITIONS - click here.
4MYPLAN TERMS & CONDITIONS - click here.
Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type.
5The Button. In order to provide you with a range of rates you prequalify for, Rate Reset will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit score. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Rate Reset may perform a hard credit inquiry.
6Debt 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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Mastercard and the Mastercard brand mark are registered trademarks.