Kinecta MyPower MasterCard®

No fees ever – that’s right, zero, zilch, nada.

Zero is more with Kinecta’s MyPower MasterCard! That's right, a card with zero fees is finally here.

MyPower MasterCard

Card Features

  • $0 annual fee
  • $0 late fee
  • $0 balance transfer fee
  • $0 cash advance fee
  • 0% foreign transaction fees
  • 9.24% to 18.00% when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. See more details.

Benefits at a Glance

Apple Pay™
Worldwide acceptance at over 36 million places
Liability protection for unauthorized purchases1
Emergency card replacement and cash advance2
MasterCard ID Theft Protection™2
Extended Warranty2
MasterCard Priceless® Cities
Chip Technology
Price Protection2
Airport Concierge2

Experience the power of no fees, apply today.

Credit card approval is subject to creditworthiness and other qualifications.

  1. Certain restrictions apply. See for details.
  2. 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 MyPower MasterCard®

Disclosure Summary

Click here for Agreements and Disclosures

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.24% 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 9.24% 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 Cash Advances 11.24% 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 None
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 None
Cash Advance None
Foreign Transaction None
Penalty Fees
Late Payment None
Returned Payment None 

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.

Variable Rate Information: Your APR may vary. The APR you receive is determined based on your creditworthiness. The Prime Rate is the highest U.S. Prime Rate published in The Wall Street Journal (the “Index”). We calculate your APR by adding an amount, which we call the Margin, to the Index in effect as of the 15th day of each month preceding the start date of each Billing Period. The monthly periodic rate is the APR divided by 12.

Prime Rate: The variable rates are based on a 4.50% Prime Rate.

1. We add 4.74% to 14.99% to the Prime Rate to determine the Purchase/Balance Transfer APR.

2. We add 6.74% to 16.99% to the Prime Rate to determine the Cash Advance APR.

The maximum APR of 18.00% as currently permitted by Federal Credit Unions applies to this credit card.

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 MYPOWER 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 MyPower 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 01/01/2018. 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.