Kinecta MyPower Credit Card – How to Apply

Are you looking for a credit card with competitive rates, low fees, and a range of benefits to help you build or rebuild your credit? Look no further than the Kinecta MyPower Credit Card, a secured credit card from Kinecta Federal Credit Union.

Kinecta MyPower Credit Card - How to Apply

In this blog post, we’ll explore the card’s features, benefits, and application process, helping you determine if it’s the right choice for your financial needs.

Benefits of the Kinecta MyPower Credit Card

The Kinecta MyPower Credit Card is designed to give cardholders various advantages, making it a compelling option for those looking to improve their credit score or establish a credit history. Here are some of the key benefits:

It offers Competitive APRs

  • Variable purchase APR ranging from 12.24% to 18%
  • Variable balance transfer APR in the same range of 12.24% to 18%
  • Lower interest rates compared to many other secured credit cards

No Annual Fee

  • No annual membership fee to pay
  • Enjoy credit card benefits without extra costs

No Foreign Transaction Fees

  • No fees on purchases made abroad or with international merchants
  • Saves money when traveling or making international purchases

Identity Theft Protection

  • Services to safeguard personal and financial information
  • Protection from potential fraud or misuse

Reports to Major Credit Bureaus

  • Account activity reported to Experian, Equifax, and TransUnion
  • Helps build or rebuild credit history
  • Demonstrates responsible credit usage to improve credit score

Rates, Costs, and Fees

Understanding the rates, costs, and fees associated with a credit card is crucial when making an informed decision. Here’s a breakdown of what you can expect with the Kinecta MyPower Credit Card:


  • Variable Purchase APR: 12.24% to 18%
  • Variable Balance Transfer APR: 12.24% to 18%
  • Variable Cash Advance APR: 14.24% to 18%

Introductory APR Offers

  • Balance Transfer Introductory APR: 2.99% for up to 18 months


  • Annual Fee: $0
  • Balance Transfer Fee: 0% (after the introductory period)
  • Foreign Transaction Fee: 0%
  • Cash Advance Fee: 0%
  • Late Payment Fee: $0
  • Returned Payment Fee: $0
  • Paper Statement Fee: $2

As you can see, the Kinecta MyPower Credit Card offers competitive APRs and a range of low or no fees, making it a cost-effective option for those looking to manage their credit responsibly.

How to Apply for the Kinecta MyPower Credit Card

Applying for the Kinecta MyPower Credit Card is a straightforward process. Here are the steps you need to follow:

  • Visit the Kinecta Federal Credit Union website ( and locate the credit card section.
  • Click on the “Apply Now” button for the Kinecta MyPower Credit Card.
  • Fill out the online application form with your personal and financial information, including your name, address, Social Security number, and annual income.
  • Review the information you’ve provided to ensure accuracy and submit your application.

It’s important to note that Kinecta Federal Credit Union may conduct a credit check as part of the application process, which can result in a hard inquiry on your credit report. However, this is standard practice for credit card applications and should not significantly impact your credit score if you have a responsible credit history.

How to Activate the Kinecta MyPower Credit Card

Once your application for the Kinecta MyPower Credit Card is approved, you’ll receive your new credit card in the mail. To activate it, follow these simple steps:

  • Locate the activation sticker or instructions that came with your new credit card.
  • Call the activation number provided or visit the website listed on the instructions.
  • Follow the prompts to activate your card, which may include providing personal information and setting up your PIN (Personal Identification Number).
  • Once activated, your credit card is ready to use for purchases or balance transfers.

How to Login to Your Kinecta MyPower Credit Card Account

Managing your Kinecta MyPower Credit Card account is easy with online access. Here’s how to log in to your account:

  • Visit the Kinecta Federal Credit Union website ( and look for the “Login” or “Online Banking” section.
  • Click on the appropriate link and enter your User ID and Password.
  • If you don’t have an existing online banking account, you’ll need to enroll by providing your personal and account information.

Once logged in, you can view your account balance, recent transactions, and make payments, among other account management tasks.

Forgotten Login Details

If you’ve forgotten your User ID or Password, don’t worry. Kinecta Federal Credit Union offers options to retrieve or reset your login credentials:

  • User ID Retrieval: On the login page, look for an option to retrieve your User ID, which typically involves providing personal information to verify your identity.
  • Password Reset: Similarly, there should be an option to reset your password, which may require answering security questions or following additional steps to ensure the security of your account.

How to Make Payments on Your Kinecta MyPower Credit Card

Staying on top of your credit card payments is essential for maintaining a good credit score and avoiding late fees or penalties. Here are the various ways you can make payments on your Kinecta MyPower Credit Card:


  • Log in to your online banking account and navigate to the “Make a Payment” section.
  • Enter the payment amount and choose the account from which the funds should be deducted.
  • Schedule the payment date and confirm the transaction.

Mobile App

  • Download the Kinecta Federal Credit Union mobile app for iOS or Android devices.
  • Log in to your account using your credentials.
  • Locate the “Make a Payment” option and follow the on-screen instructions to complete your payment.

Automatic Payments

  • Set up automatic payments through your online banking account or by contacting Kinecta Federal Credit Union.
  • Choose the payment amount and the account from which the funds should be deducted each month.
  • Automatic payments can help ensure that you never miss a due date and avoid late fees.

By Phone

  • Call the Kinecta Federal Credit Union customer service number and follow the prompts to make a payment.
  • Have your credit card information and payment details ready.

By Mail

  • You can mail a check or money order to the payment address provided on your monthly statement.
  • Be sure to include your account number and payment stub to ensure proper processing.

In Person

  • Visit a Kinecta Federal Credit Union branch location and make your payment in person with a teller.

By offering multiple payment options, Kinecta Federal Credit Union aims to make it convenient for cardholders to stay on top of their credit card payments and maintain a healthy credit profile.


The Kinecta MyPower Credit Card is a powerful credit solution for those looking to build or rebuild their credit history. With its competitive APRs, no annual fee, and a range of benefits like identity theft protection and zero fraud liability, this secured credit card offers a compelling value proposition.

By following the application process, activating your card, and staying on top of payments, you can take advantage of the Kinecta MyPower Credit Card to achieve your financial goals and improve your credit standing.

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