Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	14.24%–18% variableKINECTA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1 4.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”KINECTA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	14.24%–18% variableKINECTA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, your APR will be 1 4.24 % to 18.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”KINECTA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	16.24%–18% variableKINECTA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1 6.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”KINECTA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0KINECTA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”KINECTA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Prescreen Disclosures_MyPerkspage 1 of 2

KINECTA MYPERKS MASTERCARD ® DISCLOSURE

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 1 4.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers · 8.99 % Introductory APR for a period of 1 2 billing cycles. After that, your APR will be 1 4.24 % to 18.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances · 1 6.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00 . For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fee · None Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee · $10.00 or 3.00% of the amount of each balance transfer, whichever is greater $10.00 or 3.00% of the amount of each cash advance, whichever is greater None Penalty Fees - Late Payment Fee - Returned Payment Fee · Up to $ 3 0.00 Up to $25.00

How We Will Calculate Your Balance:

We use a method called 'average daily balance (including new purchases).'

Promotional Period for Introductory APR:

The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account.

Loss of Introductory APR:

We may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are two statement cycles late in making a payment.

Minimum Interest Charge:

The minimum interest charge will be charged on any dollar amount.

For California Borrowers, MyPerks is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

1 2Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

KINECTA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, your APR will be 1 4.24 % to 18.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”
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KINECTA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1 6.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
KINECTA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1 4.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
KINECTA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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KINECTA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00 .”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
KINECTA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR

Offered through: Kinecta Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 4142
Branches: 25 in CA, NY
Sources: Official issuer · 1 document · 1 page cited

Documents

Prescreen Disclosures_MyPerkseffective date not parsed

MYPERKS MASTERCARDKinecta Credit Union · federal credit union, CA · NCUA 4142

Rates and fees