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.
MyPro Business Rewards
Recoup money on operational expenditures.
There’s no annual fee1 for the card that helps your business stretch every dollar and get cash-back2 in the process.
- Get 3% cash back on office supplies, gas and electric vehicle charging stations.
- Get 2% cash back on business Travel and Entertainment, treat your customers with style.
- Get 1% cash back on everything else, from advertising to utilities.
- Relationship Bonus Rewards3up to 20% of your cash back rewards every year
Today's Rate
Expand features to compare products
| Benefits | Features |
|---|---|
| Car Rental Insurance | No Annual Fee1 |
| Mobile Receipts | Contactless Technology |
| View details in the Mastercard Guide to Benefits brochure | Digital wallet compatibility with Apple Pay, Samsung Pay, and Google Pay |
| Mastercard Merchant Offers | Zero Liability when you notify us promptly at 800.854.9846 |
| Mastercard ID Theft Protection™ |
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!
Helping your business thrive
Kinecta offers a full suite of banking services for your company. From simple checking to complex real estate, we’re your financial partner. We even offer access to business insurance4 products so you can protect what you’ve built.
One Stop for All Your Credit Cards
With our rates much lower than most national banks, it only makes sense to check-out Kinecta’s personal cards and reap the benefits of consolidating them under one roof:
MyPower6 Mastercard® – low interest rates and fees.
MyPerks7 Mastercard® – get cash-back on what you buy every day
*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.
MYPRO 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.
1Rates are accurate as of 2/01/25. The standard variable APR (Annual Percentage Rate) for Purchases and Balance Transfers is 14.24% - 18.00% (minimum of $500 transfer) and 16.24% - 18.00% for Cash Advances. Rates are variable and subject to change. Transaction Fees: Balance Transfer Fee is 3.00% of the amount of each transfer ($10 minimum); 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.
2Earn 3% on gas, electric vehicle charging stations, office supplies and 2% on dining, entertainment and travel. Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments.
3Relationship Bonus. Paid to Cash Back Rewards balance 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 anniversary of account opening 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 bonus 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: ProtectPlus™ checking, Business Essentials Checking, share certificate, mortgage loan, vehicle loan, Kinecta Financial & Insurance Services investment account, or a business/commercial loan.
4Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.
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 with Kinecta. There are eligibility requirements and exclusions that could prevent you from receiving benefits under Debt Cancellation. For a full explanation of terms and conditions, contact a Kinecta branch or call our Member Contact Center at 800.854.9846.
6MYPOWER TERMS AND CONDITIONS - click here.
7MYPERKS TERMS AND CONDITIONS - click here.
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.