Enjoy 0.00% APR on balance transfers for 12 months!

Leave interest in 2018…pay off your holiday credit card balances faster!


Enjoy a 0.00%APR introductory rate on balance transfers for 12 months
Everyday rates as low as 10.24%APR on purchases




Transferring your balances from higher rate cards may enable you to pay them off faster and save money! Once you have your new card, click here to transfer balances from your old card(s).



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


APR=Annual Percentage Rate. 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 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 1.15.19, and pay 0.00% APR on balance transfers made in the first 90 days through 1.14.20; all balances as of 1.15.20 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 purchases, 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 675. 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.**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 January 1, 2019, and subject to change at any time. Visit kemba.org for Advantage Program Details. Offer expires 3.31.19.


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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