SuperMoney
  Kinecta Federal Credit Union MyPower

Kinecta Federal Credit Union MyPower

in Personal Credit Cards from Kinecta Federal Credit Union

Unaffiliated

Kinecta Federal Credit Union MyPower

Unaffiliated

in Personal Credit Cards from Kinecta Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Kinecta Federal Credit Union MyPower to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 7.99% - 18%
Balance Transfer APR  (Variable APR) 7.99% - 18%
Credit Score Range 500 - 850
Annual Fee $0

Kinecta Federal Credit Union MyPower Review

This is a secured credit card credit card issued by Kinecta Federal Credit Union. If you're wondering whether Kinecta Federal Credit Union MyPower 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.

Key Takeaways
  • Competitive APRs. Kinecta Federal Credit Union MyPower has a variable purchase APR that ranges from 7.99% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Kinecta Federal Credit Union MyPower
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.99%.
  • No balance transfer fee.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Kinecta Federal Credit Union MyPower reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
Kinecta Federal Credit Union MyPower FAQ

Does Kinecta Federal Credit Union MyPower have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

  • Software, Hardware, Cloud

What are the Kinecta Federal Credit Union MyPower benefits?

It provides the following benefits:

  • Emergency Support
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Kinecta Federal Credit Union MyPower?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 7.99% up to 18%. The card has a variable balance transfer APR that ranges from 7.99% up to 18%. It also has a variable cash advance APR that ranges from 9.99% up to 18%.

Does Kinecta Federal Credit Union MyPower have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of up to 3 months.

Kinecta Federal Credit Union MyPower Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 2.99%
Balance Transfer Intro APR Period 3 months
Balance Transfer APR 7.99% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Kinecta Federal Credit Union MyPower have an intro APR offer on new purchases?

Kinecta Federal Credit Union MyPower Purchase Intro Offer
Description
Introductory Rate 7.99%

This card does offer an intro APR rate of 7.99% on qualified purchases

What are the fees for Kinecta Federal Credit Union MyPower?

The following fees apply:

Kinecta Federal Credit Union MyPower Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee $0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Kinecta Federal Credit Union MyPower have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Kinecta Federal Credit Union MyPower?

The Kinecta Federal Credit Union MyPower customer service number is .

What is the support contact email for Kinecta Federal Credit Union MyPower?

The support contact email for Kinecta Federal Credit Union MyPower is info@kinectawealth.org.

Does Kinecta Federal Credit Union MyPower report your account activity to credit bureaus?

Yes, Kinecta Federal Credit Union MyPower 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 MyPower

  • Visit the Kinecta Federal Credit Union MyPower 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.

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.

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

Icon for Personal Credit Cards
View all personal credit cards offered by Kinecta Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 7.99%
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Additional Card Fee Amount $0
Late Fee Amount $0
Minimum Interest Charge $1
Paper Statement Fee $2
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • Software, Hardware, Cloud
Cash Advance APR (Variable APR) 9.99% - 18%
Balance Computation Average daily balance (including new purchases)."
Purchase APR (Variable APR) 7.99% - 18%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 2.99%
Balance Transfer Intro APR Period (Variable APR) 3 months
Balance Transfer APR (Variable APR) 7.99% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Mastercard

Be the first to rate

 

Would you recommend Kinecta Federal Credit Union MyPower to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Kinecta Federal Credit Union Personal Credit Cards

Loading...