Credit Cards

Kinecta MyPerks Mastercard®

Let the perks begin.

This should perk you right up – Kinecta’s MyPerks Mastercard is the perfect fit for your lifestyle. Earn unlimited cash back rewards on your everyday purchases.

Apply Now for New MyPerks Credit Card Redeem Your MyPerks Cash Back Rewards

Take advantage of your introductory offer.

  • 0% Intro APR* on Balance Transfers for 18 months when requested within 90 days of account opening.1 Standard variable APR* after Intro APR* is 9.99% to 18.00%. A balance transfer fee of 3.00% of the amount of each transfer ($10 minimum) will apply. The APR will vary with the market based on the Prime Rate. See more details
Kinecta MyPerks MasterCard

Cash Back Rewards

3% Gas + 2% Dining + 1% Everything Else

Rewards Details

  • 3% on gas (up to $6,000 in annual purchases)3
  • 2% on groceries (up to $6,000 in annual purchases)3
  • 1% on other purchases, unlimited.3

As an example, you can receive a total of $273.60 (includes Cash Back and Relationship Bonus) in annual rewards based on an average spend of $900 per month on the MyPerks Credit Card. See the breakdown below.

Monthly Annual Cash Back
Total Cash Back Rewards $228.00

This chart is for illustrative purposes only. Your actual rewards earned may vary depending on your individual purchases and eligible bonus categories.

3% Gas $400 $4,800 $144.00
2% Groceries $200 $2,400 $48.00
1% Everything Else $300 $3,600 $36.00

Relationship Bonus Rewards

5% just for being awesome + 15% for using select Kinecta products = 20% total annual bonus

Bonus Details

Up to 20% additional cash back as an annual Relationship Bonus. To start, each year on your card anniversary earn 5% (if your card is in good standing) and up to an additional 15% by using select Kinecta products.4 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.

Rewards Bonus
Total Annual Rewards Earned On Your Card Anniversary
(Cash Back + Relationship Bonus)
oooh yeah!

This chart is for illustrative purposes only. Your actual rewards earned may vary depending on your individual purchases and eligible bonus categories.

Cash Back Rewards $228.00
Relationship Bonus
(20% x $228)

Benefits at a Glance

  • No Annual Fee
  • FREE Cash Back Rewards Program
  • Relationship Bonus
  • Cell Phone Protection6 (when you pay phone bill with your new card)
  • Car Rental Insurance6
  • Digital Wallets: Apple Pay, Google Pay , Samsung Pay
  • Worldwide acceptance at over 36 million places
  • Liability protection for unauthorized purchases5
  • Emergency card replacement and cash advance6
  • Mastercard ID Theft Protection™6
  • Card Control6
  • Purchase Assurance6
  • Satisfaction Guarantee6
  • Mastercard Priceless® Cities
  • Chip Technology
  • Airport Concierge6

Credit card approval depends on creditworthiness and other qualifications. Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type. The Cash Back Rewards Program is subject to certain terms and conditions. Click here for full details of the Cash Back Rewards Program.

  1. In order to receive the introductory rate of 0.00% APR on your balance transfer for 18 months, the balance transfer must be requested within ninety (90) days of account opening. Please continue to pay your bills as scheduled. Allow 15-30 business days for balance transfer to be completed. Balance Transfer fees 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 loan, lines of credit or Kinecta credit cards.
  2. Bonus is paid as a statement credit. To qualify and receive your statement credit, you must make Purchases minus Refunds and Returns totaling $1,500 to $3,999.99 to receive $100 or $4,000 to $5,999.99 to receive $250 or $6,000 or more to receive $500 within the first ninety (90) days of account opening. Maximum total statement credit is $500. "Purchases" do not include balance transfers or cash advances. Purchases must be final and posted to account in order to qualify. Refunds and returns will be deducted from the $1,500, $4,000 or $6,000 purchase minimum. 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. Taxes related to this or other Kinecta cash bonuses are your responsibility. Limit one offer per member and non-transferable.
  3. Earn Cash Back Rewards on eligible Net Purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments.
  4. The Relationship Bonus is applied towards Cash Back Rewards earned from the date the account is opened or loan is funded.
  5. Certain restrictions apply. See for details.
  6. Certain restrictions apply. Click here to view the Guide to Benefits.

MasterCard, Priceless and the Mastercard brand mark are registered trademarks and Mastercard Global Service and Mastercard Airport Concierge are trademarks of Mastercard International Incorporated, used pursuant to a license.

All third party trademarks referenced herein are the property of their respective owners.

Kinecta MyPerks Mastercard®

Disclosure Summary

Click here for Agreements and Disclosures

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.99% to 18.00% when you open your account, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% introductory APR for 18 months when requested within ninety days of account opening. After that, your standard variable APR will be 9.99% to 18.00% based on credit worthiness.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 11.99% to 18.00% when you open your account, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies

This APR may be applied to your account if you:

  1. Make a late payment;
  2. Go over your credit limit twice in a six month period;
  3. Make a payment that is returned.

How Long Will The Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at .
Annual Fee None
Transaction Fees
Balance Transfer 3.00% of the amount of each transfer ($10 minimum)
Cash Advance Either 3.00% of the amount of each cash advance or $10, whichever is greater ($100 maximum)
Foreign Transaction 1.00% of the amount of each transaction in U.S dollars
Penalty Fees
Late Payment Up to $20.00
Returned Payment Up to $25.00

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”

Loss of Introductory APR: We may end your introductory APR and apply the standard APR if you make a late payment.

Authorization: When you respond to this credit card offer from Kinecta Federal Credit Union (“Kinecta”, “we”, “us”) you agree to the following:

I. You authorize us to obtain a credit bureau report in connection with your request for an account. If an account is opened, we may obtain credit bureau reports in connection with extensions of credit or the review or the collection of your account. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report about you.

II. If an account is opened, you will receive a KINECTA MYPERKS MASTERCARD® CREDIT CARD AGREEMENT AND DISCLOSURE with your card(s).

By using the issued account or any card, authorizing its use, or making any payment on the account, you agree to the terms of the Card Agreement.

III. Rates, fees, and terms may change: We have the right to change the account terms (including the APRs) in accordance with your Card Agreement.

Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm you meet the criteria for this offer. In addition, we will review your Total Income to determine you have the ability to repay the credit line. Based on this review, you may receive the Kinecta MyPerks Mastercard, or you may not receive a card.

You must be 18 years old to qualify (19 in AL and NE).

This information about the cost of the card is accurate as of 4/01/2020. This information may have changed after that. To find out what may have changed, call us at 800.854.9846 or write us at 1440 Rosecrans Ave., CU/31, Manhattan Beach, CA 90266.

Redeem Your MyPerks Cash Back Rewards

Follow these steps below:

1. Login

Login to your Kinecta Direct Online Banking Account by entering your username and password above.

CC Redeem Step1

2. Select - Credit Card Center

Click on the “Credit Card Center” link located in the left side menu list.

CC Redeem Step2

3. Go to Rewards

Click on the “Click to View Your Rewards” link located under Credit Card Tools. Allow pop-ups!

CC Redeem Step3

4. Redeem Your Rewards

From the top menu in purple, click on "Redeem Cash Back" then click on the “Cash Back” link.

CC Redeem Step4

For more full details on our Cash Back Rewards Program - download the program PDF.