Applicants with a flawless credit history can be approved for the KEMBA Financial Credit Union Visa Platinum Rewards credit card. This credit union has been in operation since the 1930s and has expanded several times in the last 40 years. Credit card applicants need only to work, go to school, or reside in Delaware, Sylvania, Franklin, Logan or Madison County, Ohio in order to be accepted.
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Although membership in the Credit Union National Association is not required, most credit unions with a good reputation are associated with this professional organization. The KEMBA Financial Credit Union Visa Platinum Rewards card is especially good for those that like to earn bonus points and that normally maintain low credit card balances.
KEMBA FCU Visa Platinum Rewards Credit Card Specifications
Information on credit card customization is not listed by KEMBA Financial Credit Union, but details on fees and interest rates are easily available.
The credit card’s APR starts at 7.99% and goes up to 13.99%. The default interest rate is 21.99% and lasts a minimum of six months.
Although cardholders with the default interest rate are encouraged to make all of their subsequent monthly payments on time, the penalty APR can remain in effect indefinitely.
Accountholders that want to receive a cash advance will pay 16.99% in interest. This is in addition to the initial finance fee of 5% or $3 that KEMBA Financial Credit Union applies at the time that the cash is withdrawn. The credit card foreign transaction fee is 3%.
KEMBA FCU Visa Platinum Rewards Credit Card Options
You may not need to have a KEMBA Financial Credit Union bank account if you are applying for a credit card as a co-applicant. A total of 1% of all charges made with this credit card is applied to the cash back rewards program.
Three grace days are given before late fees will be charged. Charges made toward the end of the billing cycle may not be posted until the beginning of the next billing period.
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