The KEMBA Financial Credit Union is a personal credit card from KEMBA Financial Credit Union. The annual fee is $0. The ongoing APR is 11.74% to 17.74% APR, variable, based on creditworthiness after a 0.00% APR on balance transfers made within the first 90 days the card is open (not purchases or cash advances) introductory rate for 18 months. Approval typically requires a credit score of Minimum credit score of 600 for the intro offer or higher. Signup bonus: $300 cash back for at least $3,000 in purchases in the first 90 days the card is open (offer ends 10.31.2026). Rewards: 1 point per $1 spent; 100 points equal $1 (1% cash back), paid once a year in February into a Rewards Savings account (minimum 2,500 points). Cash back: $300 cash back with $3000 in purchases made in the first 90 days. This product reports activity to your personal credit report.