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Credit Cards


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.

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 receive your card within 24 hours.

Subject to terms and conditions.*

Scroll to the left to view the rest of the tables.

No credit or rebuilding your credit?

Check out our Credit Building Programs .


Visa Diamond

Visa Diamond Credit Card 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 10.99 % 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

You also receive the following Visa benefits:

  • Exclusive Discounts through Visa Checkout
  • Identity Theft Protection (up to $1,000)
  • Roadside Assistance
  • Lost luggage reimbursement (up to $3,000)
  • Auto rental collision damage waiver
  • Travel accident insurance (up to $100,000)
  • Purchase Security & Extended Protection
  • Travel & Emergency Assistance Services

Apply Now


View disclosure.

No credit or rebuilding your credit?

Check out our Credit Building Programs .


Visa Diamond Plus Cash

Visa Diamond Plus Cash Credit Card 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 13.24 % APR
  • No annual fee or hidden charges
  • Accepted worldwide
  • Same low APR for cash advances!
  • Locally serviced at your Central One branch

You also receive the following Visa benefits:

  • Exclusive Discounts through Visa Checkout
  • Identity Theft Protection (up to $1,000)
  • Roadside Assistance
  • Lost luggage reimbursement (up to $3,000)
  • Auto rental collision damage waiver
  • Travel accident insurance (up to $100,000)
  • Purchase Security & Extended Protection
  • Travel & Emergency Assistance Services

Apply Now

View disclosure.

No credit or rebuilding your credit?

Check out our Credit Building Programs .


Future Focus Credit Card

Future Focus Visa Credit Card Choosing your first credit card can be a daunting task. That’s why Central One is making it simple with the low rate, cash back Future Focus card. Enjoy our lowest rate rewards card while building your credit.

Establish good credit and earn unlimited rewards!

Card Features

  • Earn unlimited 1% cash back on every purchase**
  • 1% reduction in APR for the first six years***
  • No annual fee or hidden charges
  • Accepted worldwide
  • Same low APR for cash advances!
  • Variable APR as low as featured-cards % APR

You also receive the following Visa benefits:

  • Exclusive Discounts through Visa Checkout
  • Identity Theft Protection (up to $1,000)
  • Roadside Assistance
  • Lost luggage reimbursement (up to $3,000)
  • Auto rental collision damage waiver
  • Travel accident insurance (up to $100,000)
  • Purchase Security & Extended Protection
  • Travel & Emergency Assistance Services

Contact Us


View disclosure.


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