Kinecta Federal Credit Union
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Credit Cards

Premium service at an exceptional value.
Kinecta credit cards have plenty to offer.

Kinecta credit cards are designed to meet your individual needs. We combine our personalized service, convenience, and all the benefits of your Kinecta relationship into one great credit card.

Visa
Platinum
Platinum
MasterCard
Vintage Platinum
MasterCard
Visa
Platinum First
  
Visa Platinum 
Share-Secured
  


Credit Card Benefits:  

  • Low variable APR on purchases and balance transfers
  • Tap & Go™ with MasterCard PayPass
  • 25-day interest-free grace period on purchases1 
  • Lost or stolen card reporting service
  • Car rental insurance
  • 24-hour assistance from a Credit Card Specialist
  • Security and activation programs to help detect fraud
  • Access to more than one million ATMs worldwide
  • Protection while shopping online with your card
    MasterCard® SecureCode™
    Verified by Visa®


Dream Points® Rewards2
Earn points that you can use towards hundreds of exciting rewards, including cash back, brand name merchandise, retail and restaurant gift cards, green products, unique experiences, travel destinations and much more. Earn one (1) point for every $1.00 you spend.3

Click here for details Click here to log in

   
Electronic Statements
It’s easy to go green with eStatements for your Kinecta 
credit card! 

An eStatement is a free, electronic version of your credit card statement that can be downloaded and viewed online.



Click here for details
   
Design Your Own Credit Card
Did you know that you can design your own Kinecta
Credit Card?

In our Reflections Studio you can choose any picture from a gallery of colorful images or upload, modify and enhance
your own. 

Click here for details

 

Your rate may increase if your account is consistently past due. Kinecta can change the account terms, including fees, at any time for any reason. Prior notice will be provided to you before these changes occur, and you may opt out of changes. Payments are applied to low APR balances first.

1 No grace period on cash advances and balance transfers. Interest begins to accrue immediately.

2 Dream Points® Rewards Program is subject to an annual fee. Dream Points® Rewards fee is waived if you opt-into and continue to receive eStatements for your credit card. Cards with annual fee (Visa Platinum Share Secured and Visa Platinum First) have Dream Points® Reward Program fee waived.

3 Restrictions apply. Subject to the Dream Points® Rewards Program terms and conditions (available upon request). Dream Points® is a registered trademark of Augeo. Visa Platinum First earns two (2) points for each $1.00 spent.

Annual Percentage Rate (APR) for Purchase – 9.99% - 18.00% This APR will vary with the market based on the Prime Rate (P). The APR you receive is determined based on your creditworthiness.
Cash Advance Fee - Either 3% of the amount of each transfer with a $10 minimum, $100 maximum, whichever is greater.
Foreign Transaction Fee - 1.00% of the amount of each transaction in U.S dollars
Balance Transfer Fee - 3% of the amount of each transfer with a $10 minimum

 

Perfect for members who:
• Prefer VIP benefits and unique experiences
• Desire greater buying power at a competitive APR

Features:
• Higher credit limit
• VIP treatment and perks
• Earn Dream Points rewards
• No annual fee for Kinecta Gold or Hughes Elite Club members5

Click for details

 

Perfect for members who:
• Have established credit history
• Are in Kinecta’s Gold or Hughes Elite Clubs

Features:
• Low APR on purchases & balance transfers
• No annual fee
• Dream Points Rewards are optional

Click for details

 

Perfect for members who:
• Have established credit history
• Are in Kinecta’s Gold or Hughes Elite Clubs

Features:
• Low APR on purchases & balance transfers
• No annual fee
• Dream Points Rewards are optional

Click for details

 

Perfect for members who:
• Would like to build or rebuild their credit
• Want their credit line tied to a secured deposit account

Features:
• Low APR on purchases & balance transfers
• Flexible credit line
• Earn Dream Points rewards

Click for details

 

Perfect for members who:
• Need to establish credit
• Have a limited budget/income

Features:
• No annual fee
• Dream Points Rewards are optional

Click for details
Perfect for members who:
• Need to establish credit
• Do not have a security deposit

Features:
• Low annual fee
• Dream Points Rewards available

Click for details