Centra Credit Union The You Visa® Signature Credit Card

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% 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 odds if your credit score is above 600.

Pros & Cons of Centra Credit Union The You Visa® Signature Credit Card

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.

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

It 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?

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:

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 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.