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  Kinecta Federal Credit Union MyPro Business Rewards
Kinecta Federal Credit Union MyPro Business Rewards
in Business Credit Cards from Kinecta Federal Credit Union
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Kinecta Federal Credit Union MyPro Business Rewards

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in Business Credit Cards from Kinecta Federal Credit Union
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Highlights
Purchase APR  (Variable APR) 9.99% - 18.00%
Balance Transfer APR  (Variable APR) 9.99% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Kinecta Federal Credit Union MyPro Business Rewards Review

Key Takeaways

  • Business credit card with generous reward rate. You can get a maximum cashback rewards rate of up to 3x.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Kinecta Federal Credit Union MyPro Business Rewards has a variable purchase APR that ranges from 9.99% up to 18.00%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Kinecta Federal Credit Union MyPro Business Rewards charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Kinecta Federal Credit Union business credit card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Kinecta Federal Credit Union MyPro Business Rewards is accepted.
  • Kinecta Federal Credit Union MyPro Business Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

Kinecta Federal Credit Union business credit card FAQ

Who is Kinecta Federal Credit Union business credit card designed for?

This is a credit card issued by Kinecta Federal Credit Union.

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 9.99% up to 18.00%. The card has a variable balance transfer APR that ranges from 9.99% up to 18%.

It also has a variable cash advance APR that ranges from 11.9% up to 18%.

The good news is this business card does not charge a penalty APR if you are late on a payment.

Does it have an introductory APR offer?

Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 18 months from account opening.

This business credit card does not offer an introductory rate on new purchases.

Kinecta Federal Credit Union business credit card Rates & Terms
Purchase APR 9.99% - 18.00%
Balance Transfer APR 9.99% - 18%
Cash Advance APR 11.9% - 18%
Penalty APR 0%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $20.
  • A returned payment fee of up to $25.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Kinecta Federal Credit Union business credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
Returned Payment Fee $25
Late Payment Fee $20

Does it offer a cash back or rewards program?

Yes, Kinecta Federal Credit Union business credit card offers a rewards program to its customers. The rewards program allows you to earn 1% cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase
  • Gas stations
  • Office Supply Stores

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is .

What is the support contact email?

The support contact email for this business credit card is info@kinectawealth.org.

Does Kinecta Federal Credit Union MyPro Business Rewards report your account activity to credit bureaus?

Yes, Kinecta Federal Credit Union MyPro Business Rewards reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Kinecta Federal Credit Union .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Message From Kinecta Federal Credit Union business credit card

Recoup money on operational expenditures. There’s no annual fee1 for the card that helps your business stretch every dollar and get cash-back2 in the process. 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Kinecta Federal Credit Union

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) Starting at 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 1%
Late Fee Amount $20
Minimum Cash Advance Fee ($) $10 - $100
No Annual Fee
Returned Payment Fee $25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Rates
  • Travel
  • Gas
  • Office Supplies
  • Every Purchase
APR Type Variable APR
Balance Computation Average Daily Balance Including New Purchases.
Cash Advance APR (Variable APR) 11.9% - 18%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.99% - 18.00%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Minimum $10
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 9.99% - 18%
Card Network Mastercard
Card Type
  • Rewards
  • Cashback

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