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Credit Cards


Central One offers lower rates on credit cards because we're a not-for-profit.

Don't get fooled by the big banks. Instead, apply for a great-rate credit card from Central One.* We're a not-for-profit credit union. That means instead of big profits, we focus on lower-fees and better service.

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

No matter your situation, we have a card designed for you!


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 9.99 % 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:

  • Discounts for using 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
  • Discounts through Visa Checkout

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 12.24 % 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:

  • Discounts for using 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
  • Discounts through Visa Checkout

Apply Now

View disclosure.

No credit or rebuilding your credit?

Check out our Credit Building Programs.


Future Focus 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 11.24 % APR

You also receive the following Visa benefits:

  • Discounts for using 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
  • Discounts through Visa Checkout

Apply Now


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.