WalletHubNo membership fees0% intro APR on balance transfersHigh rewards rate$200 initial rewards bonusNo intro APR on purchasesBalance transfer feeRequires excellent creditKinecta MyPerks Mastercard®
Kinecta MyPerks Mastercard®
Credit Score
Excellent Credit
Annual Fee
$0
APR on Purchases
13.49% - 18% (V)
Balance Transfer
0% intro APR for 6 months, 13.49% - 18% (V) APR after that
Balance Transfer Fee
Rewards
Get $200 bonus after spending $3,500 within 90 days of account opening.
3% back on gas purchases & electric vehicle charging stations, and 2% back on groceries.
1% back on other purchases, unlimited.
Up to 20% additional cash back as an annual Relationship Bonus. Each year on your card anniversary earn 5% and up to an additional 15% by using select Kinecta services.
Kinecta MyPerks Mastercard®'s Additional Info
0% introductory APR on balance transfers of $500 or more, posted to your account within 90 days of account opening.
Mastercard Global Service™, Mastercard Airport Concierge™ and Mastercard ID Theft Protection.
Liability protection for unauthorized purchases.
Digital Wallets: Apple Pay™, Google Pay ™, Samsung Pay™.
| cash advance fee | 3% (min $10) |
| cash advance APR | 15.49% - 18% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes |
| max late fee | $30 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Kinecta MyPerks Mastercard® Pros & Cons
No membership fees
0% intro APR on balance transfers
High rewards rate
$200 initial rewards bonus
No intro APR on purchases
Balance transfer fee
Requires excellent credit
Compare The Kinecta MyPerks Mastercard® vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0% for 15 months |
transfer intro apr0% for 6 months|Transfer Fee: 3% (min $10) | transfer intro aprNot Offered | transfer intro apr0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) |
Regular APR13.49% - 18% (V) | Regular APR14.15% - 18.00% Variable | Regular APR18.24% - 27.74% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Kinecta MyPerks Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
- Most Popular
- Most Upvotes
People Also Apply For
Kinecta MyPerks Mastercard® Reviews
Share your insights and review for the Kinecta MyPerks Mastercard®
What's Your Rating?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
People Also Apply For
Offer last updated: May 1st, 2026 at 04:26 ET
People Also Apply For
