Visa Credit Cards

Make paying for purchases a whole lot easier with a Visa® credit card from Kemba. Whether you're just starting to build credit or are looking for higher limits, we have a solution for you. With no annual fees and low rates, our cards are built around your needs.

Learn more about each card and choose the one that's best for you!

Visa Gold – 8.74% APR Variable
  • Minimum annual salary requirement of $25,000
  • No annual fee
  • 25-day grace period
  • Credit limits granted up to $10,000
  • Wide array of payment options, including:
    • Online Banking
    • Mobile Banking
    • Touch Tone Teller
    • By mail through your monthly statement
  • ScoreCard® rewards program included
  • Mobile payments available to make purchases using your mobile device

Additional benefits available:

  • Travel Accident Insurance
  • Auto Rental Insurance
  • Warranty Manager Service
  • Emergency Cash/Card Replacement
  • Lost/Stolen Card Reporting
  • Travel and Emergency Assistance
  • Year-end Summary Statements Through Online Banking

View the Visa Gold credit card disclosure.

The Annual Percentage Rate may vary after the account is opened. Upon Approved Credit. Minimum salary requirement $25,000. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%.

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Visa Platinum – 9.90% APR
  • Enjoy rates as low as 9.90% APR
  • Minimum annual salary requirement of $25,000
  • No annual fee
  • 25-day grace period
  • Credit limits granted up to $25,000
  • Wide array of payment options, including:
    • Online Banking
    • Mobile Banking
    • Touch Tone Teller
    • By mail through your monthly statement
  • ScoreCard® rewards program included
  • Mobile payments available to make purchases using your mobile device

Additional benefits available:

  • Travel Accident Insurance
  • Auto Rental Insurance
  • Warranty Manager Service
  • Emergency Cash/Card Replacement
  • Lost/Stolen Card Reporting
  • Travel and Emergency Assistance
  • Year-end Summary Statements Through Online Banking

View the Visa Platinum credit card disclosure.

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ScoreCard Rewards Program

Using your Kemba credit card can now turn your everyday purchases into that dream vacation you've always wanted or a new TV! Kemba Credit Union has teamed up with ScoreCard® to offer a point-based credit card rewards program. Just use your Kemba credit card for qualifying purchases to accumulate points that you can then redeem for merchandise and travel rewards. Simply log into Kemba's Online Banking and click on the ScoreCard tab to view your points and shop for rewards.

Don't have an online banking account? Visit the ScoreCard site directly.

Trouble viewing ScoreCard? You may need to enable pop-ups in your browser's settings.

Program FAQs

Q: What is ScoreCard Rewards?
A: ScoreCard Rewards is a rewards program offering Points for qualifying purchases. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages, and more (each, an "award").

Q: How do I log in to ScoreCard and know how many Points I have?
A: You may access ScoreCard and view the program and your point balances by logging onto Kemba's Online Banking, and just clicking on the ScoreCard tab, www.kemba.com. Or you may call Award Headquarters at(800) 854-0790 to verify your balance.

Q: How do I earn Points?
A: Simply use your ScoreCard Rewards participating card, each a "rewards card", for your purchases. You will earn Points based on your qualifying net purchases (purchases minus returns and/or other related credits). You will earn Points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn Points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account (such as for returns of purchases) will reduce the Points available in your account.

Q: If I don't have enough Points for the award I want, can I buy the extra Points I need?
A: No. A sufficient number of Points must be available in your account to redeem the award you want. Points are not available for purchase.

Q: When can I order awards?
A: You may order awards anytime during the Program as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding) and you have enough Points to redeem the requested award.

Q: How do I order awards?
A: For merchandise awards you can order merchandise awards using the online shopping feature within Kemba's Online Banking, just click on the ScoreCard tab. You can also call customer service at (800) 854-0790. Travel awards, airline tickets, vacation packages, and cruises may be ordered by calling and speaking with a Travel Services Representative. You may also use the online travel booking site to obtain select air awards. In addition, you may purchase additional airline tickets and make car and hotel reservations online. If you prefer, Travel Services Representatives can assist with booking both purchased as well as redeemed awards travel items.

Q: Whom should I contact if I have questions regarding redeeming Points under the ScoreCard Rewards Program?
A: Call Award Headquarters at (800) 854-0790.

Merchandise FAQs

Q: If I order more than one item, will they be shipped together?
A: We cannot guarantee that items will be shipped together. You may receive several shipments to complete your order.

Q: What if the item I order is not available?
A: Sometimes ordered items are on backorder with the manufacturer. If the backorder is for a short period, such as for no more than a couple of weeks, we will notify you of your backorder status and ship the item once it is again available to us. If the backorder status is going to be longer, we may contact you to allow you to select an alternate award or you may elect to cancel your order and have the Points added back to your rewards account.

Q: For merchandise redemptions, how long after I place my order should I expect to receive the ordered items?
A: Generally, merchandise awards will be shipped from Award Headquarters via a parcel delivery service or by the U.S. Postal Service and should arrive no more than 4-6 weeks after your order is received. Some items may be shipped directly from the manufacturer. You will be notified if there is a delay in filling your order. Please note that shipments cannot be made to a post office box or outside the United States and eligible territories. If you have an APO address, please contact ScoreCard Award Headquarters for details regarding merchandise options and shipments before ordering.

Q: What happens if my merchandise award arrives damaged?
A: Please check your packages closely for any apparent damage before signing to accept a package. If there is damage, please write a note on the delivery receipt before signing to accept the package. If after you open the package you find the merchandise is damaged, please follow the directions on the packing slip included with your shipment and notify Award Headquarters. You will be given instructions and a return authorization number to return the merchandise for replacement. Merchandise that is received damaged or defective may be returned within thirty (30) days of receipt for replacement. Please refer to your Terms, Conditions and Program Rules for additional requirements.


Q: Will I be able to use any applicable manufacturer warranties for my redemption(s)?
A: Most merchandise is covered by a manufacturer's warranty. Please retain your packing slip as proof of purchase. For extended warranties or product specific inquiries or repair, you may call the manufacturer directly.

Q: Where can I get a complete list of available merchandise awards?
A: The ScoreCard Rewards Program has a complete list, and is accessed from within Kemba's Online Banking, just click on the ScoreCard tab.

Travel FAQs

Q: When are Travel Services agents available?
A: Travel Services agents are available Monday - Sunday 8:00am - 12:00am (Eastern Standard Time) to book your travel arrangements.

Q: Can I book my travel online?
A: Yes, your travel can be booked online. You can book online from within Kemba's Online Banking, just click on the ScoreCard tab. In addition, you can purchase airline tickets and hotel/car reservations.

Q: How many Points are required for a ticket?
A: The actual number of Points required will be based on your travel dates, origin and destination cities, airline, availability, and how far in advance you are making your reservations. The good news is you are in control and the choice is yours!

Q: Can I still redeem if I do not have enough points for a ticket?
A: Yes! We want to make sure your next trip is within reach, which is why we've added the flexibility of allowing you to redeem the Points you do have and pay the difference via your ScoreCard or another payment card.

Q: Are there any origin or destination restrictions?
A: This new program allows you to fly from virtually anywhere to virtually anywhere in the world!

Q: How far in advance do I need to make my travel reservations?
A: You can now make reservations as close as one day prior to your actual departure date. We recommend you plan your travel at least 14 to 21 days in advance for the best availability, however you are no longer limited to a 30-day advance requirement.

Q: I want to save my Points for an airline ticket. How will I know the number of Points I need to save?
A: The actual Points required for your travel is dependent upon the specific itinerary you select. You can check point requirements via the online redemption site. Note: Points required for travel may change, and are not final until travel is redeemed for.

Q: Can I change or return my airline ticket if my plans change after the ticket is issued?
A: Changes and cancellations can be made only if the Supplier and specific air ticket rules permit the modifications. A $40 per ticket service fee will be charged by the travel supplier for all exchanges, modifications, or cancellations, in addition to any applicable airline penalties and/or fare difference.

Q: Can I book a cruise online?
A: Yes you can. If you are planning to book a flight or another component to go along with your cruise, you must book the cruise as a separate order from any other travel component you wish to redeem for on the catalog.

Q: How do I change or cancel my car, hotel, activity or cruise booking?
A: You must contact the Travel Rewards Center for all modification and cancellation requests as the policies are different for each travel award.

Q: Can I purchase airline tickets or other travel items from Travel Services without using my Points?
A: Yes. Travel Services can assist in booking your purchase travel needs and you can also purchase online.

Q: What are the fees for each award?
A: The booking fees are included in the total number of points required for the travel redemption so you can use your points and you don't have to pay the booking fees out of pocket. Please note the point requirement differs between online and travel agent assisted booking due to a higher fee charged for the agent assistance.

Q: What is the order process for a hotel or car travel award certificate?
A: In addition to booking online, you can also order certificates to be used to cover a portion or the cost for hotel reservations and car bookings. Prior to redeeming Points for a hotel or car travel award certificate, please contact the hotel or car rental location you plan to visit to confirm they will accept the certificate with the discount offered in the certificate. Once confirmed, you can submit your order online or through an Award Headquarters representative by calling 1-800-854-0790. Certificates are usually shipped within 4-6 weeks of processing your order. Upon receipt of your certificate, make your advance reservation by calling the number listed on the certificate and inform the reservation agent of the certificate. ADVANCE RESERVATIONS ARE REQUIRED IN ORDER TO USE YOUR CERTIFICATE. At time of check in, present your certificate with your method of payment for any additional fees.