1 APR=Annual Percentage Rate.
2 0.00% APR Offer: The 0.00% APR Introductory rate on balance transfers is valid for 15 months from the time a Premier Business Visa card is opened for balance transfers made within the first 90 days the card is open. The 0.00% introductory APR is not valid on purchases. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 15-month introductory rate. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the promotional period ends, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (ranging from 14.24% APR – 20.24% APR). For example, open your card on 4.12.2025, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 7.11.2026; all balances as of 7.12.2026 will revert to prevailing APR (ranging from 14.24% APR – 20.24% APR). The Prime Rate used to determine your APRs for purchases, balance transfers, and cash advances is the Prime Rate published in the Wall Street Journal on the twentieth (20th) calendar day of the previous calendar month. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 14.24% APR – 20.24% APR). Promotional rate valid on Premier Business Visa cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 600 required. Offer expires 6.30.2025.
*Cash Back Bonus: To qualify to earn $200 cash back bonus, you must make aggregate purchases greater than or equal to $2000 in the first 90 days card is open. Balance transfers do not apply toward the $2000 spend. The cash back bonus will be deposited into the Primary Savings account of the Primary Member’s account by the end of the next month following qualification. For example, open your card on 4.12.2025 and make $2000-plus in purchases by 5.7.2025. The cashback would be deposited by 6.30.2025. Not valid on existing cards. Offer expires 6.30.2025.
3 Standard Premier Business Visa Cash Back: 1% cash back rewards paid once per year in February into Rewards Savings account. Intro rate balance transfers not eligible for cash back. You will receive 1 point for every $1 you spend with your credit card. Cash back points awarded for balance transfers made within the first ninety (90) days your Premier Business Visa account is open only when the prevailing rate is charged. 100 points = $1 cash back. Account must be in good standing at time of payout to receive rewards. Minimum to receive Annual Payout is 2,500 points. Cash back offer subject to change without notice.
4 APY: Annual Percentage Yield. Rewards Savings account rate of 5.00% APY for KEMBA Advantage members and 1.00% APY for non-Advantage members current as of April 1, 2025, and subject to change at any time. Visit our Advantage page at kemba.org for Advantage Program details. Click here for Advantage Program details.
