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MyPro Business Rewards

Recoup money on operational expenditures.

MyPro Business Credit CardThere’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 and gas.
  • Get 2% cash back on business T&E, 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

book appt Call 800.854.9846 Redeem Rewards

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Benefits Features
No Annual Fees Zero Liability when you notify us promptly at 800.854.9846
QuickBooks Online® Travel and text alerts
TurboTax® Cash Advances
Mobile Receipts Emergency Replacement
Car Rental Insurance Digital wallet compatibility with Apple Pay, Samsung Pay, and Google Pay
  Mastercard ID Theft ProtectionTM
  Chip technology

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.

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 Offer6

0% introductory APR on balance transfers for 18 months when requested within 90 days of account opening. Standard variable APR after introduction period is 10.74% to 18.00. A small balance transfer fee of 3% ($10 minimum) will apply.

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:
MyPower7 Mastercard®
– no fees. None. Zip, zilch, nada.
MyPerks8 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.


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.

1Rates are accurate as of 06/01/22. The standard variable APR (Annual Percentage Rate) for Purchases and Balance Transfers is 10.74%-18.00% (minimum of $500 transfer) and 12.74%-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 ($100 maximum); No Foreign Transaction Fees. Penalty Fees: Late Payment is up to $20; 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 and office supplies (up to $6000 in annual purchases) and 2% on dining, entertainment and travel (up to $6000 in annual purchases). Earn 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 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 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, 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.

6Balance transfer offer. In order to receive the balance transfer 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.



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