Visa Signature® Credit Card Offer

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For a Limited Time:

0.00% APR on Balance Transfers & 2% Cash Back on Purchases

0.00% Introductory APR¹ on Balance Transfers made in the first 90 days for 12 months!²

Plus - a limited-time 2% Cash Back on Purchases³


Rates starting at just 15.24% APR

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  • 2% cash back per $1 in purchases made in the first 90 days, then unlimited 1.5% cash back thereafter*
  • 0.00% intro APR on credit card balance transfers made in the first 90 days for 12 months!
  • Take advantage of exclusive Visa Signature® Credit Card Benefits & Perks
  • No annual fee
  • Tap to pay convenience for an easy and secure check out
If you have any questions about your credit card application, please call us at 614.235.2395 option 2, or email , and we’d be happy to help you through the process.

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

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¹APR: Annual Percentage Rate.
²0.00% APR Offer: The 0.00% introductory APR on balance transfers is valid for one year from the time 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 12-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 15.24% APR – 21.24% APR). For example, open your card on 5.12.24, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 5.11.25; all balances as of 5.12.25 will revert to prevailing APR (ranging from 15.24% APR – 21.24% APR). 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 that will be in affect at end of intro period (ranging from 15.24% APR – 21.24% APR). Promotional rate valid on Visa Signature cards. Eligibility and offered rate may vary based on creditworthiness. KEMBA reserves the right to offer an alternative credit card product. Minimum credit score of 635 required. Offer expires 6.30.2024.
³2% Cash Back Offer: Earn 2% cash back rewards on purchases made in the first 90 days for Visa Signature. Intro rate balance transfers not eligible for cash back rewards. Cash back rewards paid only on balance transfers made in the first 90 days when prevailing rate is charged. Balance transfers are not eligible for cash back after the first 90 days card is open. Visa Signature cash back rewards paid monthly into Primary Savings. Offer expires 6.30.2024.
*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. Rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month. KEMBA will debit for returns and disputes when applicable. Cash back rewards applied on balance transfers in the first 90 days only.
KEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Equal opportunity lender.
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.

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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KEMBA offers low-rate student loans to fill the gaps between a federal loan and tuition, graduate student loans, and refinancing for both private and federal student loans
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