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UnaffiliatedKinecta Federal Credit Union MyPerks
in Personal Credit Cards from Kinecta Federal Credit Union
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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 MyPerks Review
This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 3 months , which is shorter than the average 0% APR period of 12 months.
- Competitive APRs. Kinecta Federal Credit Union MyPerks 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 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.
The Good | The Bad |
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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 |
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 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 11.99% 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 3 months.
Description | |
---|---|
Balance Transfer Fee Intro Period | 90 days |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 3 months |
Balance Transfer APR | 9.99% - 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. for a period of up to 90 months.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 support contact email for Kinecta Federal Credit Union MyPerks?
The support contact email for Kinecta Federal Credit Union MyPerks is [email protected].
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 - Visit Site
- Email Support
Other Services by Kinecta Federal Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Purchase Intro APR Period (Variable APR) | 90 months |
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