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Banking RegistryReal data. Clear answers.Data as of Oct 13, 2026
Banking RegistryReal data. Clear answers.
Artwork source · Kemba Financial Credit Union ↗

VISA SIGNATUREKemba Financial Credit Union · state credit union, OH · NCUA 61623

CurrentLast observed Oct 13, 2026Source date Oct 13, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
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Purchase APR
13.74%–19.74%
variable
Balance transfer
0% for 18 mo
then 13.74%–19.74%
Cash advance APR
—
Annual fee
None
a year
Foreign fee
—
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases13.74%–19.74% variableKEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of tr…”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfersintroductory rate first
Introductory, 18 months0%KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of tr…”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
After13.74%–19.74% variableKEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of tr…”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances—no source read
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Annual feeNoneKEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“None”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Transaction fees
Cash advance—no source read
Balance transferthe greater of $5 or 3% of the amount, The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 18-month introductory rate. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the introductory period ends, purchases and remaining transferred balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (currently ranging from 13.74% APR – 19.74% APR for Visa Signature). For example, open your card on 07.12.2026, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 01.11.2028; all balances as of 01.12.2028 will revert to prevailing APR (currently ranging from 13.74% APR – 19.74% APR for Visa Signature). The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 13.74% APR – 19.74% APR). No annual fee. Introductory rate valid on Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635 required for the Visa Signature offer. Offer expires 10.31.2026.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of tr…”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Foreign transaction—no source read
Penalty fees
Late payment—no source read
Returned payment—no source read
Opening conditions The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 18-month introductory rate. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the introductory period ends, purchases and remaining transferred balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (currently ranging from 13.74% APR – 19.74% APR for Visa Signature). For example, open your card on 07.12.2026, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 01.11.2028; all balances as of 01.12.2028 will revert to prevailing APR (currently ranging from 13.74% APR – 19.74% APR for Visa Signature). The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 13.74% APR – 19.74% APR). No annual fee. Introductory rate valid on Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635 required for the Visa Signature offer. Offer expires 10.31.2026.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of tr…”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Regular The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 18-month introductory rate. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the introductory period ends, purchases and remaining transferred balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (currently ranging from 13.74% APR – 19.74% APR for Visa Signature). For example, open your card on 07.12.2026, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 01.11.2028; all balances as of 01.12.2028 will revert to prevailing APR (currently ranging from 13.74% APR – 19.74% APR for Visa Signature). The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 13.74% APR – 19.74% APR). No annual fee. Introductory rate valid on Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635 required for the Visa Signature offer. Offer expires 10.31.2026.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open when paid in full. The 0.00% introductory APR is not valid on purchases or cash advances. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of tr…”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Cash back1.50% cash back. Payment timing is not disclosed. : 1.5% cash back rewards paid monthly at the end of each billing cycle. You will receive 1.5 points for every $1 you spend with your credit card. 100 points = $1.50 cash back. Account must be in good standing at time of payout. Good standing is defined as having no loans or shares in delinquency or with negative balances. Visa Signature Credit Card must remain open to receive payout. Cash back points awarded for balance transfers made within the first ninety (90) days your Visa Signature account is open only when the prevailing rate is charged. Rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“: 1.5% cash back rewards paid monthly at the end of each billing cycle. You will receive 1.5 points for every $1 you spend with your credit card. 100 points = $1.50 cash back. Account must be in good standing at time of payout. Good standing is defined as having no loans or shares in delinquency or with negative balances. Visa Signature Credit Card must remain open to receive payout. Cash back po…”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Cashback qualificationsCash backFor all Visa rewards credit cards, cash back rewards applied on balance transfers in the first 90 days only, not valid during balance transfer promotions. KEMBA will debit for returns and disputes when applicable.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“For all Visa rewards credit cards, cash back rewards applied on balance transfers in the first 90 days only, not valid during balance transfer promotions. KEMBA will debit for returns and disputes when applicable.”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Cash signup bonus$300 cash award. After $3,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. : To qualify to earn $300 cash back bonus, you must make aggregate purchases greater than or equal to $3000 in the first 90 days card is open. Balance transfers and cash advances do not apply toward the $3000 spend. The cash back bonus will be deposited into the Primary Savings account of the Primary Member’s account by the end of the next month following qualification. For example, open your card on 07.26.2026 and make $3000-plus in purchases by 08.7.2026. The cashback would be deposited by 09.30.2026. Not valid on existing cards. Account must be in good standing at time of payout to receive bonus. Good standing is defined as having no loans or shares in delinquency or with negative balances. Visa Signature and Visa Platinum with Rewards Credit Cards must remain open to receive payout. Bonus payout is taxable as interest income and reported to the IRS. Consult your tax advisor. Offer ends 10.31.2026.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“: To qualify to earn $300 cash back bonus, you must make aggregate purchases greater than or equal to $3000 in the first 90 days card is open. Balance transfers and cash advances do not apply toward the $3000 spend. The cash back bonus will be deposited into the Primary Savings account of the Primary Member’s account by the end of the next month following qualification. For example, open your car…”KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website