Swipe Smart this Holiday Season with a Locally-Powered Credit Card!

Family of shoppers carrying gifts, highlighting holiday spending with a KEMBA Visa credit card.

Get $150 Cash Back!

Pick from our Visa Platinum or Signature - each with unique features & benefits - and:

  • Until December 31, open a new card and earn $150 cash back after you spend $1500 on purchases in the first 90 days
  • Transfer high-rate debt within the first 90 days and pay an introductory 0.00% APR for 15 months
  • Earn cash back rewards on shopping, dining, travel, groceries, and everything you buy
  • Easily manage your everyday spending and the security of fraud alerts and protection
  • Access real people, locally, for service needs
  • Plus, enjoy the perks and benefits listed below 
Credit Card benefits

Boost your spending power for the holidays and add some jingle to your wallet!

Orange low rates icon
0.00% APR on Balance Transfers
Cyan cash icon
Cash Back Rewards
Blue card icon
Lifestyle Benefits
Green no fee icon
No annual fee












Make your list, check it twice and wrap up joy with every swipe!

KEMBA Financial Credit Union has two Visas to select from - each with its own unique special offer and own perks and benefits. Whether you have excellent credit or you're working to improve it, you're interested in immediate cash back plus travel benefits or saving with everyday low interest rates, we have a credit card for you. Apply online below or visit your local Ohio branch to get started.
KEMBA Financial Credit Union Member Owner Visa Platinum Rewards Credit Card
Benefits^ Visa Platinum Credit Card Visa Signature® Credit Card
Current Offers Visa Platinum Rewards Visa Signature®
Best for Cardholders who may carry a balance month-to-month Cardholders who tend to pay off balances monthly
Recommended Credit Range± Fair Good to Excellent
Reward Amount 1% cash back1 1.5% cash back2
Reward Payout Annually into a high-yield savings account Monthly into Primary Savings Account
Rates as low as 11.99% APR 13.99% APR
Annual Fee None None
Card Updater Access Yes Yes
24/7 Support for Lost/Stolen Cards Yes Yes
Text/Email Alerts Yes Yes
Zero Liability Protection Yes Yes
ID Navigator by NortonLifeLock™ Yes Yes
Roadside Dispatch Yes Yes
Shipt Yes Yes
Sofar Sounds Yes Yes
Visa Signature® 24/7 Concierge − Yes
Access to Luxury Hotel Collection − Yes
Airport Lounge Access − Yes
Travel & Emergency Assistance − Yes
Trip Cancellation/Interruption − Yes
Lost Luggage Reimbursement − Yes
Auto Rental Collision Damage Waiver − Yes
Rental Car Benefits − Yes
Wine Country Perks & Benefits − Yes
Skillshare − Yes
Golf Benefits by Troon − Yes
Price & Event Ticket Protection − Yes
Hotel Theft Protection − Yes
Full Benefit Details Visa Platinum Credit Card Core Benefits Visa Signature® Credit Card Core Benefits

Apply Now Apply Now

± Credit scores can range from 300-850 and typically fall into the following categories: Excellent (800-850), Very Good (740-799), Good (670-739), Fair (580-669), and Poor (300-579). Although it's important to note that your credit score can vary widely on the credit scoring system, and different lenders may assign you to different categories based on their underwriting standards. The interest rate you'll pay on your credit card, and all other loans, is directly related to your credit score; the lower your rate, the less you pay in interest. Find out more.
 
If you want to improve your credit score, we have resources to help! Connect with our partners at GreenPath Financial Wellness for complimentary financial counseling.
 

Choose an option below to get started!


Digital Banking users

Open KEMBA's Mobile App or log in to Digital Banking and select "Apply for a loan" on the menu or ☰.

Not a member or Digital Banking user?

Apply using one of the buttons above!


man shopping online with KEMBA card
Balance Transfer

Credit Card Balance Transfer Request

Transfer your balances to pay them off faster! It’s quick, easy, and secure!

Protection

Credit Card Automated Alerts FAQ

  • Learn more about automatic credit card and Digital Banking alerts.

Shopping Convenience

Credit Card Updater Tool

  • Select your favorite merchants and instantly establish your new credit card as your primary payment method everywhere you shop or pay!

Woman manages digital banking with new KEMBA Signature credit card.
CREDIT INCREASE

Apply online for a credit line increase

Increase your credit line for greater spending power. 



Learn More About KEMBA's Credit Cards

To learn more about KEMBA's Credit Cards, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.

 










Our Team is
Here to Help

Call 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.

Do you see a suspicious charge on your credit or debit card?

Disclosures
*APR: Annual Percentage Rate.
 
**0.00% APR Offer: The 0.00% APR Introductory rate on balance transfers is valid for 15 months from the time a Visa Platinum with Rewards or Visa Signature® card is opened for balance transfers made within the first 90 days the card is open. The 0.00% introductory APR is not valid on purchases. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 15-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 promotional period ends, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (ranging from 11.99% APR – 17.99% APR for Visa Platinum with Rewards and 13.99% APR – 19.99% APR for Visa Signature). For example, open your card on 11.12.2025, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 02.11.2027; all balances as of 02.12.2027 will revert to prevailing APR (ranging from 11.99% APR – 17.99% APR for Visa Platinum with Rewards and 13.99% APR – 19.99% APR for Visa Signature). Visa Platinum with Rewards and Visa Signature are variable rate products. 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 11.99% APR – 17.99% APR for Visa Platinum with Rewards and 13.99% APR – 19.99% APR for Visa Signature). Promotional rate valid on Visa Platinum with Rewards Card and Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 600 required for the Visa Platinum with Rewards offer. Minimum credit score of 635 required for the Visa Signature offer. Offer expires 12.31.2025.
†Cash Back Bonus: To qualify to earn $150 cash back bonus, you must make aggregate purchases greater than or equal to $1500 in the first 90 days card is open. Balance transfers do not apply toward the $1500 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 11.26.2025 and make $1500-plus in purchases by 12.7.2025. The cashback would be deposited by 1.31.2026. 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 and Visa Signature Credit Cards must remain open to receive payout. Offer ends 12.31.2025.
 
 ^KEMBA Financial Credit Union cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at https://usa.visa.com/supporting-info/concierge-terms.html. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property. Certain restrictions and limitations apply. Benefits vary at select Sonoma County wineries and are subject to change at any time. Go to kemba.org/signature-benefits for full details.
 
1 Standard Visa Platinum with Rewards Cash Back: 1% cash back rewards paid once per year in February into 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. Visa Platinum with Rewards Credit Card must remain open to receive payout.  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 11.1.2025, and subject to change at any time. Visit our Advantage page at kemba.org for Advantage Program details.
 
2 Standard Visa Signature Cash Back: 1.5% cash back rewards paid monthly at the end of each billing cycle. You will receive 1.5 points for every $1 you spend with your credit card. 100 points = $1.50 cash back. Account must be in good standing at time of payout. Good standing is defined as having no loans or shares in delinquency or with negative balances. Visa Signature Credit Card must remain open to receive payout. Cash back points awarded for balance transfers made within the first ninety (90) days your Visa Signature account is open only when the prevailing rate is charged. Rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month. 
 
For all Visa rewards credit cards, cash back rewards applied on balance transfers in the first 90 days only, not valid during balance transfer promotions. KEMBA will debit for returns and disputes when applicable.

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.

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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