Best Credit Card for New Users

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Purchasing Power & Great Rewards

Orange low rates icon
Rates as low as
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1% cash back rewards on purchases or balance transfers in the first 90 days²
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Earn up to 5.00% APY on your cash back rewards savings account³
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No annual fee

A better credit card, at your service

Maybe you're new to KEMBA Financial Credit Union. Maybe you're just starting to build your credit. Maybe both. When it comes to a credit card, you deserve more than just a convenient tool for shopping. That's what KEMBA delivers. Our Platinum Rewards Visa® is an ideal card for new accountholders because its low rate helps you save money on interest while you steadily build your credit score with responsible debt management and on-time payments. Even more, this card lets you earn cash back on purchases, without charging an annual fee, making it an all-around good selection for a new credit card holder.
  • Everyday low rates based on your creditworthiness¹
  • Low rates = monthly cash savings
  • Always earn 1% cash back on purchases and on balance transfers in the first 90 days²
  • Cash back rewards are deposited each February into a special Rewards Savings account that earns 5.00%
  • APY for Advantage members and 1.00% APY for non-Advantage members³
  • Periodic automatic credit limit increases, and by request
  • Simple integration with your digital wallet
  • Safeguard your money with account alerts, fraud protection and additional core benefits 
  • Access money management tools to help you manage your credit card debt and understand how to build your credit

Variable Rate Card¹
Minimum Limit
APR as Low as
Visa Platinum Rewards $500 13.24%

Rates subject to change without notice.
APR=Annual Percentage Rate
Rates based on the Prime Rate as reported in the Wall Street Journal on the 20th day of the previous month.
To view a copy of KEMBA’s Platinum Rewards Credit Card Agreement, click here.

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¹ Eligibility and offered rate may vary based on creditworthiness.
² Not valid during balance transfer promotions. 1% cash back rewards paid once per year. You will receive 1 point for every $1 you spend with your credit card. Cash back points will be awarded for balance transfers made within the first ninety (90) days your Platinum Rewards account is open. 100 points=$1 cash back. Account must be in good standing at
time of payout. Minimum to receive reward is 2,500 points. KEMBA reserves the right to exclude repeated balance transfers from cash back offer. Cash back offer subject to change without notice.
³ 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 February 13, 2022, and subject to change at any time. Click here for Advantage Program details.
*Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Click here to find out if you’re eligible for membership.
Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose. KEMBA is an equal opportunity lender. KEMBA membership is required.
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.
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