Last Updated: 07/28/2025
Kinecta Federal Credit Union MyPerks
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.24% - 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.24% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- APRs: Kinecta Federal Credit Union MyPerks has a variable regular 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.
- A 3% balance transfer fee. Kinecta Federal Credit Union MyPerks 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 up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
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.
| Description |
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?
Kinecta Federal Credit Union MyPerks 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.24% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 90 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 - $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 support contact email for Kinecta Federal Credit Union MyPerks?
The support contact email for Kinecta Federal Credit Union MyPerks is info@kinectawealth.org.
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 to the following credit bureaus:
- 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 build your credit.
Does Kinecta Federal Credit Union perform a hard credit pull?
Yes, Kinecta Federal Credit Union MyPerks performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Kinecta Federal Credit Union MyPerks
- Visit the website of Kinecta Federal Credit Union MyPerks.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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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Other Credit Cards from Kinecta Federal Credit Union
Rating not yet determined
Purchase APR
18%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 18%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
Up to $25
Rating not yet determined
Purchase APR
12.24% - 18%
Disclaimer popup with additional information
Balance Transfer APR
12.24% - 18%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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