Enjoy everyday low rates &
a 1.99% APR intro rate on balance transfers!

Use a low-rate card and save on your holiday shopping!

 

Everyday rates as low as 9.99%APR on purchases
+
Enjoy a 1.99%APR introductory rate on balance transfers for 12 months

 

APPLY NOW

 

Transferring your balances from higher rate cards may enable you to pay them off faster and save money! Once you have your new card, click here to transfer balances from your old card(s).

 

Plus:

  • Earn cash back rewards on your holiday purchases (learn more)
  • Pay off your holiday balances faster
  • No balance transfer fee
  • No annual fees

 

APR=Annual Percentage Rate. The 1.99% APR Introductory rate is valid for one year from the time new card is opened for balance transfers made within the first 90 days the card is open. Not valid on existing cards, valid on new money transfers only, cannot balance transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the promotional period ends, balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application. For example, open your card on 9.6.18, and pay 1.99% APR on balance transfers made in the first 90 days through 9.6.19; all balances as of 9.7.19 will revert to prevailing APR. The Prime Rate used to determine your APRs for purchases, balance transfers, and cash advances is the Prime Rate published in the Wall Street Journal on the twentieth (20th) calendar day of the previous calendar month.  Refer to original Credit Card terms and conditions for prevailing rate for purchases, and rate that will be in affect at end of intro period. Promotional rate valid on Visa Platinum Rewards Card only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 675. Earn 1% cash back rewards on purchases. 1% cash back rewards paid once per year. You will receive 1 point for every $1 you spend with your credit card. 100 points=$1 cash back. Account must be in good standing at time of payout. Minimum to receive reward is 2,500 points. Cash back offer subject to change without notice. Cash back rewards on balance transfers do not apply with this offer. **APY=Annual Percentage Yield. Rewards Savings account rate of 10.00% APY for KEMBA Advantage members and 5.00% APY for non-Advantage members current as of August 1, 2018, and subject to change at any time. Visit kemba.org for Advantage Program details. Offer expires 12.31.18. Cash back offer subject to change without notice. Cash back rewards on balance transfers do not apply with this offer. Offer expires 12.31.18.

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Hassle-Free C... High Performa... Fresh Start
Tiered interest rates No No
Earn monthly dividends No No No
Free rewards package No No No