Credit cards
Make your life easier with a contactless credit card from Central One.
All of our credit cards offer you a great rate on purchases and cash advances with no annual fees.
All Central One Credit Cards include these great benefits:
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Looking for your first credit card?
Central One has the perfect option for you with our First Time Credit Card. Enjoy the benefits of a low introductory as low as 12.74 % 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!
Apply now
Need a Central One credit card? |
Already a Central One credit card holder? |
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Apply for a credit card | Start your balance transfer | ||
Once approved, fill out and submit our Balance Transfer Form. | See the top of the form for submission instructions. | ||
All new Central One credit cards are now contactless and mobile wallet friendly.
Member Protect Program
Borrowers may qualify for loss of life, disability, and unemployment security protection on their Central One loans. Our Member Protect program provides relief in the event that you lose your job due to no fault of your own, become disabled due to injury or illness, or pass away. This is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.
Credit Building Programs
If you have no credit or need help rebuilding your credit, Central One offers credit building programs to help individuals improve their credit scores. By using these tools responsibly, you can build a strong credit history, leading to better loan terms and financial opportunities.
See our Credit Building Programs
*APR = Annual Percentage Rate. Actual rates and approval subject to applicant's creditworthiness. APRs are variable, adjust with Prime and are capped at 17.5%. See disclosure for full details. Central One Federal Credit Union membership is required.
**Cash back rewards are deposited directly into your Central One account.
***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 e Statements. After 2 years, the account converts to the standard Visa Diamond or Diamond Rewards card rates. For more details, see First Time Visa Diamond disclosure or First Time Visa Rewards Card disclosure.