Centra Credit Union Visa® Platinum Credit Card
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| Purchase APR (Variable APR) | 8.99% - 14.25% |
| Balance Transfer APR (Variable APR) | 8.99% - 14.25% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Centra Credit Union Visa® Platinum Credit Card Review
This is a rewards card issued by Centra Credit Union. If you're wondering whether Centra Credit Union Visa® Platinum Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Centra Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 8.99% up to 14.25%.
- 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 Visa® Platinum 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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Centra Credit Union Visa® Platinum Credit Card
| The Good | The Bad |
|---|---|
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Centra Credit Union Visa® Platinum Credit Card FAQ
Does Centra Credit Union Visa® Platinum Credit Card have a cash back or rewards program?
Centra Credit Union Visa® Platinum Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Centra Credit Union Visa® Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Centra Credit Union Visa® Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Centra Credit Union Visa® Platinum Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Centra Credit Union Visa® Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Centra Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 8.99% up to 14.25%. The card has a variable balance transfer APR that ranges from 8.99% up to 14.25%. It also has a variable cash advance APR that ranges from 8.99% up to 14.25%.
Does Centra Credit Union Visa® Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 3.7% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 2% |
| Balance Transfer Introductory APR | 3.7% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 8.99% - 14.25% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 2% |
Does Centra Credit Union Visa® Platinum Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 3.7% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 3.7% on qualified purchases for a period of up to 6 months.
What are the fees for Centra Credit Union Visa® Platinum Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $0 |
| Late Payment Fee | up to $18 |
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 Visa® Platinum Credit Card have a foreign transaction fee?
Centra Credit Union Visa® Platinum Credit Card charges a foreign transaction fee of 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 Visa® Platinum Credit Card?
The Centra Credit Union Visa® Platinum Credit Card customer service number is (800) 232-3642.
What is the support contact email for Centra Credit Union Visa® Platinum Credit Card?
The support contact email for Centra Credit Union Visa® Platinum Credit Card is memberservices@centra.org.
What is the Centra Credit Union Visa® Platinum Credit Card login page?
You can access the Centra Credit Union Visa® Platinum Credit Card login page here.
How do people rate the customer service and user experience of Centra Credit Union Visa® Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Centra Credit Union Visa® Platinum Credit Card report your account activity to credit bureaus?
Yes, Centra Credit Union Visa® Platinum 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 Visa® Platinum Credit Card
- Visit the Centra Credit Union Visa® Platinum 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.
Contact
- Headquarters
-
3801 Tupelo Drive
Columbus, IN 47202 USA - (800) 232-3642
- Visit Site
- Email Support
About Centra Credit Union Visa® Platinum Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 3.7% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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