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Credit Cards

balance transfer limited time offer

Limited time offer - available now through August 31, 2021!


Make your life easier with a credit card from Central One.

A Central One credit card offers you a great rate on purchases and cash advances with no annual fees.  Monitor and manage your card anytime, anywhere  from your phone with our Card Control App.  Make your cards work smarter for you - track your spending by setting up transaction alerts with text, push notification and email. Set spending limits and even turn your card off/on if misplaced.

First time looking for a credit card? Central One has the perfect option for you with their First Time Credit Card. Enjoy the benefits of a low introductory 7.99%*APR for the first two years your account is open with no annual fee and no cash advance transaction fee.  Start building your credit today!

*based on creditworthiness. Terms and conditions apply or Loss of Introductory APR: We may end the introductory APR and apply the regular APR based on your creditworthiness if you fail to maintain a Central One checking account or discontinue eStatements.

Our Instant Issue allows you to replace your Central One card at any branch location if lost or stolen. 

Apply Now

Want a credit card quickly? Apply at any branch for a new credit card* from Central One today and return next day to the branch to receive your card within 24 hours.

Subject to terms and conditions.**

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No credit or rebuilding your credit?

Check out our Credit Building Programs .


Visa Diamond

Our most-popular card. The Visa Diamond card offers our lowest rate, saving you hundreds of dollars per year compared to the "Big Bank" cards.

Low rate, no annual fee, serviced locally and accepted worldwide.

Rate as low as 8.99 % APR!

Card Features

  • Our lowest APR card
  • Same low APR for cash advances!
  • No annual fee or hidden charges
  • Accepted worldwide
  • Locally serviced at your Central One branch

Apply Now


View disclosure.

No credit or rebuilding your credit?

Check out our Credit Building Programs .


Visa Diamond Plus Cash

Want both rewards and a low APR? The Visa Diamond Plus Cash card offers a competitive rate and UNLIMITED cash-back rewards!

Card Features

  • Earn unlimited 1% cash back on every purchase***
  • Competitive variable APR, currently as low as 11.24 % APR
  • No annual fee or hidden charges
  • Accepted worldwide
  • Same low APR for cash advances!
  • Locally serviced at your Central One branch

Apply Now

View disclosure.

No credit or rebuilding your credit?

Check out our Credit Building Programs .


**Actual rates and approval subject to applicant's creditworthiness. APRs are variable, adjust with Prime and are capped at 17.5%. See application for full details. Central One Federal Credit Union membership is required. 

***Cash back rewards are deposited directly into your Central One account. 

****After 5 years, the account converts to the standard rate Visa Diamond Plus Cash card.