Best Credit Card for New Users

young couple holding KEMBA credit card



benefits

Purchasing Power & Great Rewards

Orange low rates icon
Rates as low as
12.24¹
Cyan card icon
1% cash back rewards on purchases or balance transfers in the first 90 days²
Blue investing icon
Earn up to 5.00% APY on your cash back rewards savings account³
Green no fee icon
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 12.24%

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.















Apply for a Credit Card

Let's talk

800.282.6420
option 2

Speak With Our Experts

At KEMBA Financial Credit Union, we provide trusted personal banking services in Central Ohio, as well as a full suite of personal banking products and services tailored to meet the financial needs of individuals and families. Our offerings include: low-rate credit cards with rewards, competitive-rate mortgages, home equity loans and refinancing options, low-interest auto loans in Central Ohio, personal and student loans, and financial wellness blogs and counseling services.

Discover why more Central Ohioans are searching for "best credit union near me" and choosing KEMBA.

To learn more, call us today at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.


Disclosures
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 May 1, 2025, 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.
Become a member

Come see why we're a better way to bank.


Open an account