Centra Credit Union The You Visa® Signature Credit Card Review

Centra Credit Union The You Visa® Signature Credit Card is a rewards credit 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. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 6 months.
• Competitive APRs. Centra Credit Union The You Visa® Signature Credit Card has a variable 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.
• 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 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. 0% APR on new purchases during the first 6 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Identity Theft Protection. Travel accident insurance. Trip cancellation insurance. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Centra Credit Union The You Visa® Signature Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase. Charges a 2% balance transfer fee.

Is there a Centra Credit Union The You Visa® Signature Credit Card cash back or rewards program?

Centra Credit Union The You Visa® Signature Credit Card offers a rewards program to its customers.

Centra Credit Union The You Visa® Signature Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

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
• Cellular Telephone 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Centra Credit Union The You Visa® Signature Credit Card has lower than average purchase 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%.

What are the fees for Centra Credit Union The You Visa® Signature Credit Card?

The following fees apply to Centra Credit Union The You Visa® Signature Credit Card:

Centra Credit Union The You Visa® Signature Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	$0
Late Payment Fee	up to $18

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 your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for Centra Credit Union The You Visa® Signature Credit Card

• Visit the Centra Credit Union The You Visa® Signature Credit Card website.
• 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.