If you are a member of the KEMBA Financial Credit Union, you are free to apply for the KEMBA FCU MasterCard Platinum Rewards credit card. Currently, KEMBA FCU has an “A-” rating with the Ohio branch of the Better Business Bureau.
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Almost all credit cards offered by credit unions can only be applied to if you are a member of that particular credit union. The KEMBA Financial Credit Union allows residents and employees of five counties in the state of Ohio to become members. The only exception to this rule applies to the families and spouses of KEMBA FCU members. Qualified consumers can apply for the KEMBA FCU MasterCard Platinum Rewards credit card at the same time as applying for membership in the KEMBA FCU.
KEMBA FCU MasterCard Platinum Rewards Credit Card Rates
The interest rate on this credit card varies from 12.99% to 18.99% APR. Cardholders with the best credit ratings will receive lower interest rates than those with multiple delinquencies and negative remarks. The interest rate for cash advances on this credit card are slightly higher than for purchases, at 16.99% through 22.99% APR.
Payments are always due on the 26th. A credit card penalty rate will be enabled if your account is sixty or more days past due. Late fees are charges on a graduated fee schedule and, if more than $250 is due, a $35 late fee will be assessed. KEMBA Financial Credit Union charges credit cardholders just $15 in late charges when the amount due is less than $100.
KEMBA FCU MasterCard Platinum Rewards Credit Card Details
All KEMBA Financial Credit Union MasterCard Platinum Rewards credit cardholders are able to earn cash rewards that gain interest.
This only applies to cash rewards bonuses that are earned and applied by February of each year.
Another benefit to the KEMBA Financial Credit Union MasterCard Platinum Rewards line of cards is that they do not have any credit card annual fees. Interest rates will only be altered if KEMBA FCU imposes an across-the-board change or if the cardholder fails to make payments for two or more consecutive pay cycles.
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