Apply Online for a Visa Platinum with Rewards

²0.00% APR Offer: The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Platinum with Rewards card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% APR introductory rate is not valid for purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 18-month introductory rate. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the introductory period ends, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (currently ranging from 11.49% APR – 17.49% APR for Visa Platinum with Rewards). For example, open your card on 07.12.2026, and pay 0.00% APR on balance transfers and purchases made within the first 90 days the card is open through 01.11.2028; all balances as of 01.12.2028 will revert to prevailing APR (currently ranging from 11.49% APR – 17.49% APR for Visa Platinum with Rewards). The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 11.49% APR – 17.49% APR). Introductory rate valid on Visa Platinum with Rewards cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 600 required. Offer expires 10.31.2026.

³Cash Back Bonus: To qualify to earn $300 cash back bonus, you must make aggregate purchases greater than or equal to $3000 in the first 90 days card is open. Balance transfers do not apply toward the $3000 spend. The cash back bonus will be deposited into the Primary Savings account of the Primary Member’s account by the end of the next month following qualification. For example, open your card on 07.26.2026 and make $3000-plus in purchases by 08.07.2026. The cashback would be deposited by 09.30.2026. Not valid on existing cards. Account must be in good standing at time of payout to receive bonus. Good standing is defined as having no loans or shares in delinquency or with negative balances. Visa Platinum with Rewards Credit Card must remain open to receive payout. Offer expires 10.31.2026.

*Standard Visa Platinum with Rewards Cash Back: After the first 90 days, cash back rewards will revert to the standard 1% cash back rewards paid once per year in February into the Rewards Savings account. Intro rate balance transfers not eligible for cash back. You will receive 1 point for every $1 you spend with your credit card. Cash back points awarded for balance transfers made within the first ninety (90) days your Platinum Rewards account is open only when the prevailing rate is charged. 100 points = $1 cash back. Account must be in good standing at time of payout to receive rewards. Good standing is defined as having no loans or shares in delinquency or with negative balances. Minimum to receive Annual Payout is 2,500 points. APY: Annual Percentage Yield. Rewards Savings account rate of 5.00% APY for KEMBA Advantage members and 1.00% APY for non-Advantage members current as of 4.1.2026, and subject to change at any time. Visit our Advantage page at kemba.org for Advantage Program details. 

KEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Equal opportunity lender.

+National average credit card rate for new offers as taken from WalletHub on 3.31.2026.

USA PATRIOT Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.