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Credit Cards

Safe and secure payment options.

Today's Rates

Rewards - MyPerks

9.99% - 18.00%
APR*
All Rates Details

No Fee - MyPower

7.99% - 18.00%
APR*
All Rates Details

Rebuild Credit - MyPlan

15.24%
Purchase APR*
All Rates Details

Rewards - MyPerks1

Our MyPerks card gives you cash-back rewards for the items you purchase every day with an annual loyalty perk.

Learn More about MyPerks

No Fee - MyPower2

  • Tired of banks “nickel and diming” you?
  • Our no-fee card doesn’t.
  • No fees. Zip. Nada. Zilch.
Learn More about MyPower

Business - MyPro4

After opening a business account with Kinecta, you can receive cash-back rewards for every commercial purchase.

Learn More about MyPro

Establish Credit

If you want to build your initial credit score, our low limit unsecured card can help you meet your goal. And our share-secured card can help you re-establish a better credit history.

Learn About Options

Rebuild Credit - MyPlan3

Build or rebuild your credit with a share-secured card that helps you spend what you can afford.

Learn More about MyPlan

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

Mastercard Information

Manage Credit Cards with Online Banking

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

Online Banking

Enroll in Credit Card eStatements

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

Enroll through Online Banking

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.

Debt Cancellation Quote

Featured News

All News

*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. 

3MYPLAN TERMS & CONDITIONS - click here. 

4MYPRO RATES TERMS & CONDITIONS - click here. 

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

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.

All third-party trademarks referenced herein are the property of their respective owners.

Mastercard and the Mastercard brand mark are registered trademarks.