
Centra Credit Union Visa® Platinum Secured Credit Card
in Personal Credit Cards from Centra Credit Union
UnaffiliatedCentra Credit Union Visa® Platinum Secured Credit Card
in Personal Credit Cards from Centra Credit Union
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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
Centra Credit Union Visa® Platinum Secured Credit Card 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 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.
- 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.
The Good | The Bad |
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Is there a Centra Credit Union Visa® Platinum Secured Credit Card cash back or rewards program?
Centra Credit Union Visa® Platinum Secured Credit Card offers a rewards program to its customers.
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?
Centra Credit Union Visa® Platinum Secured Credit Card doesn't offer a cash signup bonus.Does Centra Credit Union Visa® Platinum Secured Credit Card offer an annual loyalty bonus?
Centra Credit Union Visa® Platinum Secured Credit Card doesn't offer a cash loyalty bonus.What are the Centra Credit Union Visa® Platinum Secured Credit Card benefits?
Centra Credit Union Visa® Platinum Secured Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Centra Credit Union Visa® Platinum Secured Credit Card has lower than average purchase APRs.Centra Credit Union Visa® Platinum Secured 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 Secured Credit Card have an introductory APR offer on balance transfers?
Yes, Centra Credit Union Visa® Platinum Secured Credit Card offers an introductory APR rate on balance transfers of 0%
Description | |
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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 introductory APR offer on new purchases?
Description | |
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Introductory Rate | 0% |
This card does offer an introductory APR rate of 0% on qualified purchases
What are the fees for Centra Credit Union Visa® Platinum Secured Credit Card?
The following fees apply to Centra Credit Union Visa® Platinum Secured Credit Card:
Fees | Amount |
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Annual Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | $0 |
Late Payment Fee | up to $18 |
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 a foreign transaction fee.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.
Contact
- Headquarters
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3801 Tupelo Drive
Columbus, IN 47202 - (800) 232-3642
- Visit Site
About Centra Credit Union Visa® Platinum Secured Credit Card

Availability
- 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 |
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