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BUSINESS CREDIT CARDRemove

Kemba Financial Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfersintroductory rate first
Introductory, 18 months0%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, 2026Website
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo annual feeKEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Transaction fees
Cash advance—
Balance transfer3% of the amount, minimum $5, : The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Premier Business Visa with Rewards card is opened for balance transfers made in the first 90 days the card is open when paid in full. The 0.00% APR introductory rate is not valid for purchases. 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, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (ranging from 13.74% APR – 19.74% APR). 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 (ranging from 13.74% APR – 19.74% APR). 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). Introductory rate valid on Premier Business Visa with Rewards cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 600 required. Offer expires 10.31.2026.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Opening conditionsKEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Equal opportunity lender.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Introductory; Balance transfer · Regular: The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Premier Business Visa with Rewards card is opened for balance transfers made in the first 90 days the card is open when paid in full. The 0.00% APR introductory rate is not valid for purchases. 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, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (ranging from 13.74% APR – 19.74% APR). 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 (ranging from 13.74% APR – 19.74% APR). 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). Introductory rate valid on Premier Business Visa with Rewards cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 600 required. Offer expires 10.31.2026.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Cash back1% cash back. Payment timing is not disclosed. : 1% cash back rewards paid once per year in February into Rewards Savings account. All cash advances and introductory rate balance transfers are not eligible for cash back. You will receive 1 point for every $1 you spend with your credit card. Cash back points awarded for balance transfers made within the first ninety (90) days your Premier Business Visa with Rewards account is open only when the prevailing rate is charged. 100 points = $1 cash back. Account must be in good standing at time of payout to receive rewards. Good standing is defined as having no loans or shares in delinquency or with negative balances. Premier Business Visa with Rewards Credit Card must remain open to receive payout. Minimum to receive Annual Payout is 2,500 points. APY: Annual Percentage Yield. Rewards Savings account rate of 5.00% APY for KEMBA Advantage members and 1.00% APY for non-Advantage members current as of 04.01.2026, and subject to change at any time. Visit our Advantage page at kemba.org for Advantage Program details.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 08.07.2026. 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. Premier Business Visa Credit Card must remain open to receive payout. Bonus payout is taxable as interest income and reported to the IRS. Consult your tax advisor.  Offer expires 10.31.2026.KEMBA FINANCIAL · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website