Pay off credit card balances faster
and save money!

On average, save $1900 in 5 years by transferring your credit card balances,
and more than $300 in 1 year!*

+

Enjoy an 8.99%APR on purchases and balance transfers for 12 months!**

 

The Savings Add Up!
You could save nearly $3300 in 5 years, and almost $600 in 1 year by transferring your balances from store cards!***

 

Plus:

  • Earn cash back rewards on purchases (learn more)
  • No annual fees

 

 

APPLY NOW

 

 

Once you have your new card, click here to transfer balances from your old card(s) and begin saving now!

 

 

 

*Savings based on KEMBA’s average APR of 11.621% and an average balance of $2916.62 (as reported by a 12/18 Nerd Wallet study on average American household credit card debt) in comparison to rates advertised by Chase, Huntington, PNC, 5/3, Capital One Quick Silver and CitiRewards websites as of June 3, 2019. Individual rates may vary and are subject to change.

**APR=Annual Percentage Rate. The 8.99% APR Introductory rate valid for one year from the time the new card is opened on purchases made within the first 12 months and balance transfers made within the first 90 days. Not valid on existing cards, valid on new money purchases or transfers only, cannot balance transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the promotional period ends, balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application. For example, open your card on 8.5.19, and pay 8.99% APR on all purchases made through 8.4.20, and balance transfers made through 11.3.19; all balances as of 8.5.20 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 that will be in effect 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. 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. Cash back rewards on balance transfers do not apply with this offer.

***Average savings by transferring store credit card balances (average store card interest rate of 26% according to Wallet Hub) based on KEMBA’s average APR of 11.624%, and the average household balances on credit cards of $2916.62.

 

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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