The Kinecta Federal Credit Union is a business credit card from Kinecta Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 13.49% - 18.00% variable (rates accurate as of 1/1/26). Rewards: 3% on fuel, electric vehicle charging stations and office supplies; 2% on dining, entertainment and travel; 1% on all other eligible net purchases; relationship bonus up to 20% of cash back rewards.