
Kinecta Federal Credit Union MyPerks
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Purchase APR (Variable APR) |
14.24% - 18.00% (Verified 02/01/2023) |
Balance Transfer APR (Variable APR) |
14.24% - 18% (Verified 02/01/2023) |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
Kinecta Federal Credit Union MyPerks Review
This is a rewards card issued by Kinecta Federal Credit Union. If you're wondering whether Kinecta Federal Credit Union MyPerks is the right card for you, read on.
Key Takeaways
- 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 MyPerks has a variable purchase APR that ranges from 14.24% up to 18.00%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Kinecta Federal Credit Union MyPerks charges a fee of 3% on balance transfers, if you transfer the balance within 90 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Kinecta Federal Credit Union MyPerks
The Good | The Bad |
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Kinecta Federal Credit Union MyPerks FAQ
Does Kinecta Federal Credit Union MyPerks have a cash back or rewards program?
Kinecta Federal Credit Union MyPerks is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Does Kinecta Federal Credit Union MyPerks have a signup bonus?
This card doesn't offer a cash signup bonus.Does Kinecta Federal Credit Union MyPerks offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Kinecta Federal Credit Union MyPerks benefits?
It provides the following benefits:
- Zero fraud liability
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Kinecta Federal Credit Union MyPerks?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Kinecta Federal Credit Union MyPerks has a variable purchase APR that ranges from 14.24% up to 18.00%. The card has a variable balance transfer APR that ranges from 14.24% up to 18%. It also has a variable cash advance APR that ranges from 16.24% up to 18%.
Does Kinecta Federal Credit Union MyPerks have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.
Description | |
---|---|
Balance Transfer Fee Intro Period | 90 days |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 18 months |
Balance Transfer APR | 14.24% - 18% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 3% |
Does Kinecta Federal Credit Union MyPerks have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Kinecta Federal Credit Union MyPerks?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $20 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Kinecta Federal Credit Union MyPerks have a foreign transaction fee?
Kinecta Federal Credit Union MyPerks 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 card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Kinecta Federal Credit Union MyPerks?
The Kinecta Federal Credit Union MyPerks customer service number is .
What is the support contact email for Kinecta Federal Credit Union MyPerks?
The support contact email for Kinecta Federal Credit Union MyPerks is info@kinectawealth.org.
What is the Kinecta Federal Credit Union MyPerks login page?
You can access the Kinecta Federal Credit Union MyPerks login page here.
How do people rate the customer service and user experience of Kinecta Federal Credit Union MyPerks?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Kinecta Federal Credit Union MyPerks report your account activity to credit bureaus?
Yes, Kinecta Federal Credit Union MyPerks 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 for Kinecta Federal Credit Union MyPerks
- Visit the Kinecta Federal Credit Union MyPerks website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1440 Rosecrans Avenue
Manhattan Beach, CA 90266 USA - Visit Site
- Email Support
Other Services by Kinecta Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Starting at 3% |
Minimum Cash Advance Fee ($) | $10 - $100 |
Foreign Currency Transaction Fee | 1% |
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $1 |
Returned Payment Fee | Up to $25 |
Paper Statement Fee | $2 |
Late Fee Amount | Up to $20 |
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