Credit cards

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

All our credit cards offer you a great rate on purchases and cash advances with no annual fees.

Diamond Diamond Rewards Signature®
Diamond Card 2021 Diamond Rewards Card 2021 signature card design
Our most popular and lowest rate card saves you money Competitive rate with unlimited cash back** on everyday purchases Maximize your everyday spending with the card designed to give you the most cash back**

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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 as low as 13.24%*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 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.

All Central One Credit Cards include:

• Mobile Wallet compatible No Annual Fee or Balance Transfer Fees
Contactless technology   No penalty rates
Instant Issue on lost or stolen cards Same low APR for purchases & cash advances
Card Control App to turn your card on or off Zero liability for unauthorized transactions*
All Central One credit cards are eligible for complimentary ID Navigator Powered by NortonLifeLockTM. This useful tool helps keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen. To confirm eligibility, visit

All new Central One Credit Cards are now contactless and mobile wallet friendly.

Checkout swiftly, safely and securely with contactless technology.

Find the right card for your lifestyle.

Compare our selection of great credit options

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 disclosure for full details. Central One Federal Credit Union membership is required. 

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

Central One 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.