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  Centra Credit Union Visa® Platinum Secured Credit Card

Centra Credit Union Visa® Platinum Secured Credit Card

in Personal Credit Cards from Centra Credit Union

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Centra Credit Union Visa® Platinum Secured Credit Card

Unaffiliated

in Personal Credit Cards from Centra Credit Union

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Highlights
Purchase APR  (Variable APR) 8.99% - 14.25%
Balance Transfer APR  (Variable APR) 8.99% - 14.25%
Credit Score Range 350 - 600
Annual Fee $0

Centra Credit Union Visa® Platinum Secured Credit Card Review

This is a secured credit card rewards credit card issued by Centra Credit Union. If you're wondering whether Centra Credit Union Visa® Platinum Secured Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
  • Competitive APRs. Centra Credit Union Visa® Platinum Secured 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 Secured 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Centra Credit Union Visa® Platinum Secured Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • 0% APR on new purchases .
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Centra Credit Union Visa® Platinum Secured 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.
Centra Credit Union Visa® Platinum Secured Credit Card FAQ

Does Centra Credit Union Visa® Platinum Secured Credit Card have a cash back or rewards program?

Centra Credit Union Visa® Platinum Secured Credit Card is a rewards card.

Centra Credit Union Visa® Platinum Secured Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Centra Credit Union Visa® Platinum Secured Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Centra Credit Union Visa® Platinum Secured Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Centra Credit Union Visa® Platinum Secured 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 Secured 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. It has lower than average regular APRs.

It 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 Secured Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

Centra Credit Union Visa® Platinum Secured Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR 0%
Balance Transfer APR 8.99% - 14.25%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%

Does Centra Credit Union Visa® Platinum Secured Credit Card have an intro APR offer on new purchases?

Centra Credit Union Visa® Platinum Secured Credit Card Purchase Intro Offer
Description
Introductory Rate 0%

This card does offer an intro APR rate of 0% on qualified purchases

What are the fees for Centra Credit Union Visa® Platinum Secured Credit Card?

The following fees apply:

Centra Credit Union Visa® Platinum Secured Credit Card Fees
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 Secured Credit Card have a foreign transaction fee?

Centra Credit Union Visa® Platinum Secured 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 Secured Credit Card?

The Centra Credit Union Visa® Platinum Secured Credit Card customer service number is (800) 232-3642.

Does Centra Credit Union Visa® Platinum Secured Credit Card report your account activity to credit bureaus?

Yes, Centra Credit Union Visa® Platinum Secured 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 Secured Credit Card

  • Visit the Centra Credit Union Visa® Platinum Secured 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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

About Centra Credit Union Visa® Platinum Secured Credit Card

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View all personal credit cards offered by Centra Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 10 days
Returned Payment Fee $0
Additional Card Fee Amount $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Late Fee Amount Up to $18
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • Select Merchants
Security Deposit $500 - $2,000
Cash Advance APR (Variable APR) 8.99% - 14.25%
Balance Computation “Average daily balance (including current transactions)”.
Credit Limit $500 - $2,000
Purchase APR (Variable APR) 8.99% - 14.25%
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 8.99% - 14.25%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Secured
  • Bad Credit
Card Network Visa

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