Last Updated: 07/28/2025
Centra Credit Union The You Visa® Signature Credit Card
Unaffiliated
in Credit Cards from Centra Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
8.25% - 15.25%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
8.25% - 15.25%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Centra Credit Union The You Visa® Signature Credit Card Review
This is a rewards card issued by Centra Credit Union. If you're wondering whether Centra Credit Union The You Visa® Signature Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Centra Credit Union The You Visa® Signature Credit Card has a variable regular purchase APR that ranges from 8.25% up to 15.25%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 2% balance transfer fee. Centra Credit Union The You Visa® Signature Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Centra Credit Union The You Visa® Signature Credit Card
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Centra Credit Union The You Visa® Signature Credit Card FAQ
Does Centra Credit Union The You Visa® Signature Credit Card have a cash back or rewards program?
Centra Credit Union The You Visa® Signature Credit Card is a rewards card.
| Description |
Does Centra Credit Union The You Visa® Signature Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Centra Credit Union The You Visa® Signature Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Centra Credit Union The You Visa® Signature Credit Card benefits?
Centra Credit Union The You Visa® Signature Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Centra Credit Union The You Visa® Signature Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Centra Credit Union The You Visa® Signature Credit Card has a variable purchase APR that ranges from 8.25% up to 15.25%. The card has a variable balance transfer APR that ranges from 8.25% up to 15.25%. It also has a variable cash advance APR that ranges from 8.25% up to 15.25%.
Does Centra Credit Union The You Visa® Signature Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 8.25% - 15.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Centra Credit Union The You Visa® Signature Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Centra Credit Union The You Visa® Signature Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Centra Credit Union The You Visa® Signature Credit Card have a foreign transaction fee?
Centra Credit Union The You Visa® Signature Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Centra Credit Union The You Visa® Signature Credit Card?
The customer service number for Centra Credit Union The You Visa® Signature Credit Card is (800) 232-3642.
What is the support contact email for Centra Credit Union The You Visa® Signature Credit Card?
The support contact email for Centra Credit Union The You Visa® Signature Credit Card is memberservices@centra.org.
What is the login page for Centra Credit Union The You Visa® Signature Credit Card?
You can access the login page of Centra Credit Union The You Visa® Signature Credit Card here.
How do people rate the customer service and user experience of Centra Credit Union The You Visa® Signature Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Centra Credit Union The You Visa® Signature Credit Card report your account activity to credit bureaus?
Yes, Centra Credit Union The You Visa® Signature Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Centra Credit Union perform a hard credit pull?
Yes, Centra Credit Union The You Visa® Signature Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Centra Credit Union The You Visa® Signature Credit Card
- Visit the website of Centra Credit Union The You Visa® Signature Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 6:00PM
Saturday
8:30AM - 12:00PM