Visa Credit Card Choices

Get a handle on your accrued credit card debt.

Pick from 2 great credit cards:
  1. The NEW KEMBA Visa Signature® Credit Card with 1.5% cash back rewards, plus exclusive perks and benefits.

  2. The Visa Platinum Rewards Credit Card with 0.00% APR* on balance transfers made in the first 90 days and purchases for 12 months, plus 1% cash back rewards on purchases.
Credit Card benefits

Two Credit Card Options = Purchasing Power & Great Rewards

Orange low rates icon
Competitive Rates
Cyan card icon
Cash Back Rewards
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Lifestyle Benefits
Green no fee icon
No annual fee

Get the credit card that meets your unique needs

KEMBA Financial Credit Union has two credit card options for you to select from! Whether you're more interested in immediate cash back or saving with everyday low rates, we have a credit card for you. Apply online below or visit your local Ohio branch to get started.

KEMBA Financial Credit Union Member Owner Visa Platinum Rewards Credit Card
An image of a Member Owner KEMBA Visa card.
Benefits^ Visa Platinum Credit Card Visa Signature® Credit Card
Current Offers Visa Platinum Rewards Visa Signature®
Best for Cardholders who may carry a balance month-to-month Cardholders who tend to pay off balances monthly
Reward Amount 1% cash back1 1.5% cash back2
Reward Payout Annually into a high-yield savings account Monthly into Primary Savings Account
Rates as low as 13.24% APR 15.24% APR
Recommended Credit Range± Fair Good to Excellent
Annual Fee None None
Card Updater Access Yes Yes
24/7 Support for Lost/Stolen Cards Yes Yes
Text/Email Alerts Yes Yes
Zero Liability Protection Yes Yes
ID Navigator by NortonLifeLock™ Yes Yes
Roadside Dispatch Yes Yes
Shipt Yes Yes
Sofar Sounds Yes Yes
Visa Signature® 24/7 Concierge Yes
Access to Luxury Hotel Collection Yes
Airport Lounge Access Yes
Travel & Emergency Assistance Yes
Trip Cancellation/Interruption Yes
Lost Luggage Reimbursement Yes
Auto Rental Collision Damage Waiver Yes
Rental Car Benefits Yes
Wine Country Perks & Benefits Yes
Skillshare Yes
Golf Benefits by Troon Yes
Price & Event Ticket Protection Yes
Hotel Theft Protection Yes
Full Benefit Details Visa Platinum Credit Card Core Benefits Visa Signature® Credit Card Core Benefits

Apply Now Apply Now
± Credit scores can range from 300-850 and typically fall into the following categories: Excellent (800-850), Very Good (740-799), Good (670-739), Fair (580-669), and Poor (300-579). Although it's important to note that your credit score can vary widely on the credit scoring system, and different lenders may assign you to different categories based on their underwriting standards. The interest rate you'll pay on your credit card, and all other loans, is directly related to your credit score; the lower your rate, the less you pay in interest. Find out more.
If you want to improve your credit score, we have resources to help! Connect with our partners at GreenPath Financial Wellness for complimentary financial counseling.

Choose an option below to get started!

Digital Banking users

Open KEMBA's Mobile App or log in to Digital Banking and select "Apply for a loan" on the menu or ☰.

Not a member or Digital Banking user?

Apply using one of the buttons above!


Credit Card Automated Alerts FAQ

  • Learn more about automatic card and Digital Banking alerts.

Balance Transfer

Credit Card Balance Transfer Request

  • Transfer your balances to pay them off faster! It’s quick, easy, and secure!

Card Updater Tool

Select your favorite merchants and instantly establish your new card as your primary payment method everywhere you shop or pay!

Learn More About KEMBA's Credit Cards

To learn more about KEMBA's Credit Cards, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.


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*APR=Annual Percentage Rate. The 0.00% APR introductory rate is valid for one year from the time new Visa Platinum Rewards card is opened on purchases. The 0.00% APR introductory rate on balance transfers is valid for one year from the time a new Visa Platinum Rewards card is opened for balance transfers made within the first 90 days the card is open. Balance transfer fee of 3.0% or $5.00, whichever is greater, of the total transferred balance applies at time of transfer with 12-month introductory rate. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. When the promotional period ends for new Visa Platinum Rewards, transferred balances and purchase balances remaining will revert to the prevailing APR, based on your creditworthiness, as disclosed at time of application (ranging from 13.24% APR-19.24% APR). For example, open your card on 2.12.24, and pay 0.00% APR on purchases made during the first 12 months and balance transfers made within the first 90 days the card is open through 2.11.25; all balances as of 2.12.25 will revert to prevailing APR (ranging from 13.24% APR-19.24% APR). 0.00% APR offered promotional rate valid on Visa Platinum Rewards Card only. The Prime Rate used to determine your APRs for purchases, balance transfers, and cash advances is the Prime Rate published in the Wall Street Journal on the twentieth (20th) calendar day of the previous calendar month. Refer to original Credit Card Terms and Conditions for APR based on your creditworthiness as disclosed at time of application (ranging from 13.24% APR to 19.24% APR for Visa Platinum Rewards credit card or 15.24% APR to 21.24% APR for Visa Signature® credit card). KEMBA reserves the right to offer an alternative credit card product. Benefits accurate as of 1.1.2024. Rates, terms, and conditions are subject to change without notice. KEMBA membership required. Credit card approval and eligibility depends on creditworthiness and other qualifications. Minimum credit score for Visa Platinum Rewards offer eligibility is 635. Minimum credit score for Visa Signature eligibility is 675. Visa Platinum Rewards offer ends 3.31.2024.
^KEMBA Financial Credit Union cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property. Certain restrictions and limitations apply. Benefits vary at select Sonoma County wineries and are subject to change at any time. Go to for full details.
1 1% cash back rewards paid once per year. Intro rate balance transfers not eligible for cash back. Cash back rewards paid only on balance transfer made in the first 90 days when prevailing rate is charged. You will receive 1 point for every $1 you spend with your credit card. Cash back points will be awarded for balance transfers made within the first ninety (90) days your Platinum Rewards account is open. 100 points=$1 cash back. Account must be in good standing at time of payout to receive rewards. Minimum to receive reward is 2,500 points.
2 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. Rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month.
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.

Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Click here to find out if you’re eligible for membership.

Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose. KEMBA is an equal opportunity lender.

Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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