Kinecta MyPro MasterCard®

The right card to show off your professional polish.

The pros of membership – Your new Kinecta MyPro MasterCard will be a positively perfect fit for your business. Plus you'll earn unlimited cash back rewards on everyday purchases you make to keep your business humming.

Apply in-branch or call 800-854-9846.

Find a Location to Apply Call 800-854-9846 Now Redeem Your MyPro Cash Back Rewards
Kinecta MyPro MasterCard

Cash Back Rewards

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

Rewards Details

  • 3% on gas and office supplies (up to $6,000 in annual purchases)1
  • 2% on dining, travel and entertainment (up to $6,000 in annual purchases)1
  • 1% on other purchases, unlimited.1

As an example, you can receive a total of $360 (includes Cash Back and Relationship Bonus) in annual rewards based on an average spend of $1,200 per month on the MyPro Credit Card. See the breakdown below.

Monthly Annual Cash Back
Total Cash Back Rewards $300.00

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

3% Gas and Office Supplies $400 $4,800 $144.00
2% Dining, Travel, & Entertainment $500 $6,000 $120.00
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.2 Eligible products include: Checking Plus, Business Essentials Checking, share certificate, mortgage loan, vehicle loan, Kinecta Financial & Insurance Services investment account, or 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 $300.00
Relationship Bonus
(20% x $300)

Card Benefits at a Glance

  • No Annual Fee
  • FREE Cash Back Rewards Program
  • Relationship Bonus
  • Cell Phone Protection4 (when you pay phone bill with your new card)
  • Car Rental Insurance4
  • MasterAssist™ Travel Assistance Services4
  • Worldwide acceptance at over 36 million places
  • Liability protection for unauthorized purchases3
  • Emergency card replacement and cash advance4
  • MasterCard ID Theft Protection™4
  • Extended Warranty4
  • Purchase Assurance4
  • MasterCard Priceless® Cities
  • Chip Technology
  • Airport Concierge4
  • Easy Savings

Credit card approval depends on creditworthiness and other qualifications. The Cash Back Rewards Program is subject to certain terms and conditions. Click here for full details of the Cash Back Rewards Program.

  1. Earn Cash Back Rewards on eligible Net Purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments.
  2. The Relationship Bonus is applied towards Cash Back Rewards earned from the date the account is opened or loan is funded.
  3. Certain restrictions apply. See for details.
  4. Certain restrictions apply. 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 MyPro MasterCard®

Disclosure Summary

Click here for Agreements and Disclosures

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases 11.24% to 18.00% when you open your account, based on your creditworthiness.
The APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 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.
APR for Cash Advances 13.24% 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

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 3.00% of the amount of each cash advance or $10, whichever is greater ($100 maximum)
Foreign Transaction 1.00% 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 Penalty 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 6.74% to 14.99% to the Prime Rate to determine the Purchase/Balance Transfer APR.

2. We add 8.74% 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 MYPRO 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 MyPro 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.

Redeem Your MyPro 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.