Kinecta Federal Credit Union MyPerks

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

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.

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?

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%.

What are the fees for Kinecta Federal Credit Union MyPerks?

The following fees apply:

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 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.