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  Kinecta Federal Credit Union MyPerks
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Kinecta Federal Credit Union MyPerks

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Highlights
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
  • 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 their purchases.
  • Kinecta Federal Credit Union MyPerks reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee, if you transfer the balance within 90 days of opening the account.

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.

Kinecta Federal Credit Union MyPerks Rewards
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.

Kinecta Federal Credit Union MyPerks Balance Transfers
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:

Kinecta Federal Credit Union MyPerks Fees
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.

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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

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View all credit cards offered by Kinecta Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Cellular Telephone Protection
Rewards Categories
  • 1% - 3% Cash Back on Gas
  • 1% - 3% Cash Back on Groceries
  • 1% - 3% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 16.24% - 18%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 14.24% - 18.00%
(Verified 02/01/2023)
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer APR (Variable APR) 14.24% - 18%
(Verified 02/01/2023)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Mastercard

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