Manage Credit Cards with Online Banking
Check balances, make payments, freeze your card, set alerts, apply for credit limit increases, and more.
It's easy and secure.
Establish Credit
Two great options to fit your lifestyle.
No credit? No problem.
If you are trying to establish your initial credit history, Kinecta can help. This version of our MyPerks Rewards card provides just enough unsecured credit to help you start building your credit score in a safe and responsible way.
- All the benefits and protections of MyPerks1
- Unsecured credit up to $1,000
Today's Rate
Recovering From Credit Challenges?
If you are looking to rebuild your credit history, our MyPlan2 share-secured credit card will get you on your way. Your credit limit equals the balance in the account you pledge as collateral with a low annual fee of $25. This is also a solid option if you are ready to create your first credit score.
*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change.
1MYPERKS TERMS AND CONDITIONS - click here.
2MYPLAN 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.
3Debt 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 of Mastercard International Incorporated.