KEMBA Financial Credit Union Credit Cards

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Please find below credit cards offered by KEMBA Financial Credit Union.

KEMBA Financial Credit Union Platinum Rewards Credit Card

kemba financial credit union platinum rewards credit card

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR12.49% - 18.49% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

12.49% - 18.49% (V)

annual fee

$0

rewards rate

1 point / $1

minimum credit

Excellent Credit

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Pros

No membership fees

Cons

No initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee

Rewards Details

You will receive 1 point for every $1 you spend with your credit card.
Receive 1 point (1% cash back) on balance transfers in the first 90 days.
Cash back rewards are deposited each February into a special Rewards Savings account that earns 5.00% APY for Advantage members and 1.00% APY for non-Advantage members.
Account must be in good standing at time of payout. Minimum to receive reward is 2,500 points.

Additional Info

0% APR for balance transfers made within the first 90 days the card is open.
Fraud protection.
More Details & Reviews About KEMBA Financial Credit Union Platinum Rewards Credit Card

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KEMBA Financial Credit Union Credit Card Reviews

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What's Your Rating?

Buddy
August 15, 2022 • @thomasb_405

Verified Customer

This is a Visa card. The 1% reward isn't much but the stipend is deposited in a special savings account that earns 10% interest. The card security is very stealth. Only one breach and Visa did have the situation under control.

Product: KEMBA Financial Credit Union Platinum Rewards Credit Card

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Alice M Sias
January 22, 2022 • @heartlessnmoet20

Verified Customer

Not sure how it ended up on my collections but dealing with Kemba was always a good experience! I got a prepaid credit card from them and when I decided I no longer wanted,they told me the account was closed and I didn't owe money. Had no problems while using the bank

Product: KEMBA Financial Credit Union Credit Cards

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Johnny
December 8, 2021 • @johnnyhairston1

Verified Customer

I used Kemba credit union one time and they gave me a car loan and I opened up an account with them and been working with them every since for the last 20 years

Product: KEMBA Financial Credit Union Credit Cards

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elani
April 17, 2020 • @esherman4

Verified Customer

i’ve been with Kemba since 2012. i've paid off two car loans through them, have had NO issues with my checking/savings and the customer service is usually awesome. Out of the blue in February 2020 they closed my credit card account, I had to find this out by calling and asking why my available credit was the same as my current balance. they sent me NO notifications advising of this and did not attempt to contact me beforehand to advise I was at risk of losing my card. my account was closed as I had ONE late payment in January 2020 ( 3 days late due to hospitalization) and this carried over interest, this may be partially due to my lack of being informed of how credit works. But still, seeing as i have been a very loyal customer with Kemba for 8 years. i expected a little more communication and leniency given 99% of my payments were on-time compared to the ONE late payment (in 8 whole years), to me is ridiculous to close someones account. so just a heads up, unless you’re perfect & make no mistakes, i would advise against this card as they have no care for their loyal customers & will toss you like your business means nothing to them

Product: KEMBA Financial Credit Union Credit Cards

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Buddy
February 29, 2020 • @thomasb_405

Verified Customer

Credit Union Managers have helped with difficult vendors who didn't cooperate with their customer. Also the Visa security is excellent.

Product: KEMBA Financial Credit Union Credit Cards

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Joe
December 29, 2019 • @jcbanned

Verified Customer

Good card to have with low interest rate. The kicker kf the card is that the rewards are put into a savings account that helps out even more.

Product: KEMBA Financial Credit Union Credit Cards

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Jeremy
May 14, 2013 • @jefferj

Overall, I have had a great experience in dealing with Kemba Financial Credit Union. I have a credit card issued from Kemba Financial Credit Union, and I like that there is no annual fee on the credit card and an even lower APR that you just will not find with other credit cards from credit unions. I also like that all their workers have been able to answer all my questions before I took out a credit card; luckily for me, their representatives have all been very polite and just as knowledgeable. I also like that there this a Kemba Financial Credit Union branch around where I live, so I am thinking of setting up a bank account there sometime in the future.

Product: KEMBA Financial Credit Union Credit Cards

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Review KEMBA Financial Credit Union Credit Cards

KEMBA Financial Credit Union Credit Card Q&A

Get answers to your questions about KEMBA Financial Credit Union Credit Cards below. For more general questions, visit our Answers section.

How much is the KEMBA Platinum Rewards card annual fee?

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Gloria Long

The KEMBA Platinum Rewards card doesn't have an annual fee. What's even better, it comes with a low APR for purchases and balance transfers: 7.99% - 13.99% (V), based on your creditworthiness.

Keep in mind that a KEMBA membership is required in order to be able to apply for this card. You can check if you're eligible on KEMBA's site.

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How much is the KEMBA Platinum Rewards card balance transfer fee?

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Keith Stauffer

The KEMBA Platinum Rewards card balance transfer fee is 3% for balances transferred within 90 days of account opening. For this period there's also a transfer intro APR offer of 0% for 12 months.

For balances transferred after the first 90 days, the KEMBA Platinum Rewards card doesn't charge a transfer fee, and the balance transfer APR will have the rate you were approved for.

Keep in mind that a KEMBA membership is required to be able to apply for this card. You can check your eligibility on KEMBA's site.

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What's the KEMBA Platinum Rewards card's 0% APR offer?

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Rene Brock

The KEMBA Platinum Rewards card's 0% APR offer lasts for 12 months for purchases and balance transfers.

This means you won't be charged with interest for 12 months for purchases, or balance transfers made within 90 days of account opening.

Keep in mind that this offer comes with a 3% balance transfer fee, and a KEMBA membership is required to apply for the Platinum Rewards card.

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