A better way to
get more out of life.

Get one of the best credit cards in the country with rates as low as 9.74%APR1

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Compare your card to a KEMBA credit card and see how much you can save! With our Platinum Rewards credit card you will enjoy:

Rates as low as 

9.74% APR1

1% cash back rewards on purchases or balance transfers in the first 90 days 2

Earn up to 10.00% APY on your cash back rewards savings account3

No balance transfer or annual fee

  • Great rates
  • Fraud protection
  • 1% cash back on balance transfers in the first 90 days

Cash Back Rewards

As an added bonus, your cash back rewards are deposited each February into a special Rewards Savings account that earns an amazing 10.00% APY for Advantage members and 5.00% APY for non-Advantage members.3

Apply Now*Or call 800.282.6420, option 2


APR=Annual Percentage Rate. 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. Eligibility and offered rate may vary based on creditworthiness. 


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.


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 June 26, 2018, 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.



At KEMBA Financial Credit Union, we offer a cash-back rewards credit card with extremely low rates for Central Ohio residents, perfect for balance transfers, paying your balances off faster, and everyday purchases. Stop by one of our locations in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hilliard, Powell, Reynoldsburg, Westerville, or Whitehall, Ohio, or apply online.

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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