Elevate your power with MyPower.
Find freedom in our low rate credit card.
Keep more power — and more money — in your wallet.
With the MyPower credit card, you’ll enjoy low rates so you can focus on what matters: paying it off. Discover how it feels to be in control.
The card that has your back.
- No annual fee
- No foreign transaction fees
- Zero Liability Fraud Protection
- Mastercard ID Theft ProtectionTM
- Mastercard Global ServiceTM
View more benefits in the Mastercard Guide to Benefits brochure.
For a limited time, 5.99% APR* balance transfers1 for 12 billing cycles.
Pay off higher-rate credit cards from other institutions with a 3% transfer fee. After the intro period, the rate will convert to our standard variable APR.
- Kinecta APRs won’t exceed 18%.
Access our convenient mobile banking app.
Check account balances securely.
Log in with Face or Touch ID. Customize with multi-factor authentication.
Make online payments quickly.
In just a few clicks or taps, pay bills online or via the Kinecta app.
Leverage free credit monitoring.
Stay on top of your goals with monthly credit reports, credit score reviews, and more.
Apply for a credit limit increase.
Raise your credit limit for a special purchase or an emergency.
Freeze your card to prevent fraud.
Lose your card? Use the Kinecta mobile app to immediately stop any unwanted purchases.
Add to your mobile wallet.
Add your card to your mobile wallet of choice for quick and safe checkouts.
Read why Kinecta members love this app.
What does APR mean when it comes to credit cards?
APR stands for the Annual Percentage Rate you’ll pay on your credit card’s balance. APR only applies if you carry a balance from month to month.
Can I withdraw cash from my MyPower card?
Yes, you can withdraw cash using your MyPower credit card with a 3% fee or $10, whichever is greater. The rate for a cash advance is between 13.49% and 18.00% and is subject to change.
How long does it take to get approved or declined?
You can apply online or in person at a branch. Some approvals are instant, or it can take up to six business days to receive notice of our decision.
How quickly does my credit card arrive after I’ve been approved?
Your physical card can take up to 10 business days to arrive in the mail, but you can start using your card digitally instantly.
Can I apply for the MyPower card if I already have the MyPerks card?
Yes, you can apply for a MyPower credit card even if you have a MyPerks credit card.
Membership Requirements Apply.
*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.
Transaction Fees: Cash Advance Fee is 3.00% of the amount of each cash advance or $10, whichever is greater; No Foreign Transaction Fees. Penalty Fees: Late Payment is up to $30; Returned Payment is up to $25. If you are charged interest, the charge will be no less than $1.00. For current information, see an associate or call 800.854.9846.
MYPOWER 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.
1Balance Transfer Offer. In order to receive the balance transfer introductory rate of 5.99% APR for 12 billing cycles, 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.
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Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.