Skip to main content

MyPerks Rewards

Earn rewards as easy as 3, 2, 1

There’s no annual fee for the card that pays you back for the things you buy everyday:

  • 3% cash back on gas1 – get paid for your commute
  • 2% cash back on groceries1 – you don’t need to clip coupons to save
  • 1% cash back on everything else2 – from coffee to a night on the town
  • Relationship Bonus Rewards3 – up to 20% of your cash back rewards every year

Redeem Rewards  Apply Now

Expand features to compare products
Benefits Features
Same day reissue for lost or stolen cards Zero Liability when you notify us promptly at 800.854.9846
No annual fees Mastercard ID Theft ProtectionTM
Cell phone protection Chip technology
Car rental insurance Travel and text alerts
Easy access to our Loan Servicing Team for payment deferrals, workout plans, and payoff statements. Digital wallet compatibity with Apple Pay, Samsung Pay, and Google Pay
  Cash advances
  Emergency replacement


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!

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.

Enroll in Credit Card eStatements

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

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.

0% Balance Transfer Promotional Offer4

Pay down existing high rate credit cards with a 0% introductory APR on balance transfers for 18 months. Just initiate the transfer within 90 days of account opening. After the introductory period, the rate on transferred balances will convert to our standard low variable APR of 9.99% to 18.00. A balance transfer fee of 3% ($10 minimum) will apply.

*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change.  


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.  

1Earn 3% on gas (up to $6000 in annual purchases) and 2% on groceries (up to $6000 in annual purchases).  

2Earn 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. 

4Balance Transfer Offer. In order to receive the introductory rate of 0.00% APR for 18 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.  

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.