The Kinecta Federal Credit Union is a personal credit card from Kinecta Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. Signup bonus: $200 bonus when you make $3,500 in purchases with your MyPerks card within the first 90 days. Rewards: 3% cash back on dining, groceries, fuel and EV charging; 1% cash back on everything else; up to 20% annual relationship bonus.