Open a new Visa
and pay no interest on purchases or balance transfers for a year!

Pay holiday bills off faster with a 0.00%APR* Intro Rate!

Valid on purchases and balance transfers

made in the first 12 months with a new KEMBA Credit Card!**


The Savings Add Up…
You could save $1200 in one year when compared to store credit cards, and $900 versus a traditional credit card!***



  • Everyday low rates
  • Cash back rewards
  • No annual fee


Apply Today!

*APR=Annual Percentage Rate.


**The 0.00% APR Introductory rate is valid for one year from the time new card is opened on purchases. The 0.00% APR Introductory rate is valid for one year from the time new card is opened for balance transfers made within the first 90 days the card is open. 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, purchase balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application. For example, open your card on 12.5.19, and pay 0.00% APR on purchases for the first 12 months, and balance transfers made within the first 90 days the card is open through 12.4.20; all balances as of 12.5.20 will revert to prevailing APR. Balance transfer fee of 2.5% or $5.00, whichever is greater, of the total transferred balance applies at time of transfer with 12-month introductory 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. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers, and rate that will be in affect at end of intro period. Promotional rate valid on Visa Platinum Rewards Card only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635. Earn 1% cash back rewards on purchases. 1% cash back rewards paid once per year. You will receive 1 point for every $1 you spend with your credit card. Cash back rewards on balance transfers do not apply with this offer. 100 points=$1 cash back. Account must be in good standing at time of payout. Minimum to receive reward is 2,500 points. 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 November 1, 2019, and subject to change at any time. Visit for Advantage Program details. Offer expires 12.31.19.


***Savings based on KEMBA’s 0.00% APR introductory offer compared to average store card rate of 25.70% APR as reported in Q3 by Wallet Hub, an average traditional card rate of 19.24% as reported by Wallet Hub, and an average household credit card balance of $8398 as reported in June 2019 by the Federal Reserve.

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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