For Los Angeles residents, a banking alternative that you might want to consider is Kinecta Federal Credit Union. This credit union only requires that you live in the greater Los Angeles area, work in this area, or be related to a member of Kinecta in order to qualify for an account.
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You’ll find that Kinecta Federal Credit Union offers five personal credit card options. If you’re looking for a credit card that offers you a little flexibility, then you’ll want to look at the Kinecta Federal Credit Union MasterCard Platinum credit card.
Kinecta Federal Credit Union MasterCard Platinum Credit Card Overview
What’s interesting about the KFCU Platinum MasterCard is that you have the option of making this a regular credit card or a rewards credit cards, depending on your needs.
What this means is that you can choose to make this a Dream Point Rewards credit card by choosing this option when you fill out the application.
The downside to choosing the rewards option is that you have to pay a $25 annual fee for this benefit. If you choose the rewards program, you’ll earn one point for every dollar you spend. Points can be redeemed for cash back, gift cards, travel, merchandise, and more.
This MasterCard offers the tap-and-go PayPass technology. What this means is that, at participating gas stations and stores you don’t have to swipe your card–you just have tap it on the payment device and your card will be charged. The benefit to this is that your credit card never leaves your hand.
You’ll also get many of the other benefits that are more common with credit cards. For example, this MasterCard credit card offer rental car insurance, $1,000,000 in travel accident insurance, roadside assistance, fraud detection, zero fraud liability, and more.
Kinecta Federal Credit Union MasterCard Platinum Credit Card Rates
The Kinecta FCU Platinum MasterCard offers a credit card variable interest rate of 9.99% to 18% based on the prime rate. This rate is the same whether you choose the rewards program or not. This rate also applies to purchases, balance transfers, and cash advances.
There is no annual fee for this credit card unless you choose the rewards program, and then the $25 annual fee applies. The fees for a balance transfer or cash advance is 3% or $10, whichever is greater. Foreign transaction fees are 1%.
Kinecta Federal Credit Union MasterCard Platinum Credit Card Bottom Line
This credit card offers something for everyone with a good to perfect credit score. If you have bad credit, however, you will not be able to qualify for this credit card. In addition, only members of Kinecta Federal Credit Union can apply.
Use the FREE credit card locator tool for an online credit card comparison today!
- Kinecta Federal Credit Union Visa Platinum Credit Card
- Kinecta Federal Credit Union MasterCard Platinum First Credit Card
- Kinecta Federal Credit Union Visa Platinum Share-Secured Credit Card
- Kinecta Federal Credit Union Visa Signature Credit Card
- Los Angeles Federal Credit Union Visa Platinum Credit Card
- Los Angeles Federal Credit Union Platinum Plus Credit Card with Cash Back
- Los Angeles Federal Credit Union Visa Platinum Plus Credit Card with CURewards