The Kinecta FCU Visa Signature line of credit cards may be the most basic personal credit card offered by this financial institution, but it leaves consumers feeling extremely valued. The credit card rewards program, complimentary concierge services, and exclusive access to tickets to popular events is more than most credit cardholders could even dream of, but Kinecta Federal Credit Union offers even more. No introductory interest rate is needed when everyday purchases are financed at a low rate of 9.99%.
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You can submit your application for the Kinecta FCU Visa Signature card online, or you can opt to pay a personal visit to a Kinecta FCU branch. The Los Angeles branch of the Better Business Bureau gives Kinecta FCU an “A+” rating.
Kinecta FCU Visa Signature Credit Card Benefits
The Dream Points Rewards program gives accountholders the opportunity to earn points with each and every purchase.
Every dollar spent on the Kinect Federal Credit Union Visa Signature credit card results in a point being earned.
Cardholders can also call the Kinecta FCU Visa Signature credit card concierge service at any time. When last-minute travel arrangements need to be made, this complimentary concierge program will help you to get to your final destination with little effort.
Kinecta FCU Visa Signature Credit Card Rates
With the Kinecta Federal Credit Union Visa Signature credit card, interest rates are no more than 9.99% to 18%. Consequently, the credit card’s penalty rate is also 18%. It is unclear when the penalty interest rate can be activated.
Kinecta FCU Visa Signature cardholders do pay $50 in annual fees. Cash advance fees will never be more than $10. Balance transfers are calculated at the everyday credit card APR, but up to $10 in fees may also be applied.
Payments made on the Kinecta FCU Visa Signature card after the posted due date may result in a $25 late fee. The fee amount is the same when a payment is returned by Kinecta FCU. When used overseas, cardholders incur a 1% foreign transaction fee. Interest rates on cash advance charges start at 11.99% and top off at 18%.
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