The path to great credit starts with MyPlan.
Build, rebuild or start your credit journey.
MyPlan is the card for anyone.
Whether you’re looking to build or repair your credit, the Kinecta MyPlan card can get you on track. It’s designed to help you spend what you can afford with a credit limit that equals the balance in your account. Plus, you'll have a low annual fee of just $25.
Your Card Benefits
Fast approval — we usually have a decision on the same day
Spend what you can afford — your credit line will equal your deposited amount
APR* cap — never pay more than 18% APR* for any purchase
MyPlan Calculator
More than just a boost to your credit.
- Low annual fee of $25
- No foreign transaction fees
- Mastercard ID Theft Protection™
- Mastercard Global Service™
View more benefits in the Mastercard Guide to Benefits brochure.
It’s as easy as:
1.
Open a MyPlan card and deposit at least $500 in your savings account
2.
Spend what you can afford; your credit line will equal your deposited amount.
3.
Use the card responsibly and apply for our other cards in as little as 6 months.
Download our mobile app.
Monitor card activity.
Set up custom transaction alerts, set spending limits or transaction controls.
Check account balances securely.
Log in using your device’s biometric authentication. Secure your account further with multi-factor authentication.
Make online payments quickly.
With just a few clicks or taps, pay bills online or via the Kinecta app.
Add to your mobile wallet.
Add your card to your mobile wallet of choice for quick and safe checkouts.
Leverage free credit monitoring.
Stay on top of your goals with monthly credit reports, credit score reviews and more.
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.
*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.
MYPLAN 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.
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Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.