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Establish Credit

Two great options to fit your lifestyle.

MyPerks Reward Credit Card

No credit? No problem.


If you are trying to establish your initial credit history, Kinecta can help. This version of our MyPerks Rewards card provides just enough unsecured credit to help you start building your credit score in a safe and responsible way.

  • All the benefits and protections of MyPerks1
  • Unsecured credit up to $1,000


MyPlan Credit Card

Recovering From Credit Challenges?

If you are looking to rebuild your credit history, our MyPlan2 share-secured credit card will get you on your way. Your credit limit equals the balance in the account you pledge as collateral with a low annual fee of $25. This is also a solid option if you are ready to create your first credit score.

Learn More  Apply Now

Manage Credit Cards with Online Banking

Check balances, make payments, freeze your card, set alerts, apply for credit limit increases, and more.

It's easy and secure.

Enroll in Credit Card eStatements

View and download eStatements to reduce your risk of mail fraud and identity theft.

Debt Cancellation Protection3

This protection helps cover all, or a portion of, your credit card and auto loan debts incase of death, disability, or involuntary unemployment.

*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change.



Subject to credit approval. You must be 18 years old to qualify (19 in AL and NE). Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type.

3Debt Cancellation Protection. Available for personal credit cards and auto loans and is optional. Debt Cancellation will not affect your application for credit or the terms of any existing credit agreement you have with Kinecta. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Debt Cancellation. For a full explanation of terms, contact a Kinecta branch or call our Member Contact Center at 800.854.9846.

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