The KEMBA Financial Credit Union is a business credit card from KEMBA Financial Credit Union. The annual fee is $0. The ongoing APR is 13.74% APR to 19.74% APR, variable (Prime Rate based); page checked 2026-10-13, page itself undated after a 0.00% intro APR on balance transfers for 18 months (balance transfers made in the first 90 days after opening; not valid for purchases); balance transfer fee $5.00 or 3.0%, whichever is greater introductory rate for 18 months. Approval typically requires a credit score of 600 or higher. Signup bonus: $300 cash back with $3000 in purchases made in the first 90 days. Rewards: 1% cash back on purchases (1 point per $1; 100 points = $1), paid once a year in February into a Rewards Savings account; minimum 2,500 points for the annual payout; cash advances and introductory-rate balance transfers do not earn. Cash back: 1% cash back on shopping, dining, travel, groceries, and everything you buy. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).