
Central Bank The Only Card Mastercard®
in Personal Credit Cards from Central Bank
Not enough votes for recommendation
Would you recommend Central Bank The Only Card Mastercard® to your friends?
Purchase APR (Variable APR) | 12.24% - 21.99% |
Balance Transfer APR (Variable APR) | 12.24% - 21.99% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Central Bank The Only Card Mastercard® Review
Central Bank The Only Card Mastercard® is a rewards credit card issued by Central Bank. If you're wondering whether Central Bank The Only Card Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- Competitive APRs. Central Bank The Only Card Mastercard® has a variable purchase APR that ranges from 12.24% up to 21.99%.
- 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.
- 4% Balance transfer fee. Central Bank The Only Card Mastercard® charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 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 3% 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, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
The Good | The Bad |
---|---|
|
|
Is there a Central Bank The Only Card Mastercard® cash back or rewards program?
Central Bank The Only Card Mastercard® offers a rewards program to its customers.
Minimum rewards rate | 1x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Does Central Bank The Only Card Mastercard® have a signup bonus?
Central Bank The Only Card Mastercard® doesn't offer a cash signup bonus.Does Central Bank The Only Card Mastercard® offer an annual loyalty bonus?
Central Bank The Only Card Mastercard® doesn't offer a cash loyalty bonus.What are the Central Bank The Only Card Mastercard® benefits?
Central Bank The Only Card Mastercard® provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Central Bank The Only Card Mastercard®?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Central Bank The Only Card Mastercard® has lower than average purchase APRs.Central Bank The Only Card Mastercard® has a variable purchase APR that ranges from 12.24% up to 21.99%. The card has a variable balance transfer APR that ranges from 12.24% up to 21.99%. It also has a variable cash advance APR of 24.99% .
Does Central Bank The Only Card Mastercard® have an introductory APR offer on balance transfers?
No, Central Bank The Only Card Mastercard® does not come with an introductory APR offer for balance transfers.Does Central Bank The Only Card Mastercard® have an introductory APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 6 months |
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Central Bank The Only Card Mastercard®?
The following fees apply to Central Bank The Only Card Mastercard®:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $35 |
Does Central Bank The Only Card Mastercard® have a foreign transaction fee?
Central Bank The Only Card Mastercard® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Central Bank The Only Card Mastercard® report your account activity to credit bureaus?
Yes, Central Bank The Only Card Mastercard® 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 Central Bank The Only Card Mastercard®
- Visit the Central Bank The Only Card Mastercard® 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
-
238 Madison St
Jefferson City, MO - (866) 236-8744
- Visit Site
Other Services by Central Bank

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
Every Purchase (Points) | Starting at 1 |
Every Purchase (Points) | Earn one point per dollar spent. |
Be the first to rate
Would you recommend Central Bank The Only Card Mastercard® to your friends?
Central Bank Personal Credit Cards
- Advantis Credit Union Visa Platinum Credit Card
- Banner Bank Deposit Secured Mastercard®
- Brooks Brothers Platinum Mastercard
- Citizens National Bank World and Preferred Points Card
- Credit Union of Texas Platinum Rewards Mastercard
- Discover it Chrome for Students
- Educational Systems Federal Credit Union Gold Visa
- FirstBank Puerto Rico Beyond One Mastercard Credit Card
- Gardner-White Premier Card
- Landings Credit Union Visa Rewards Credit Card
- Rakuten Rewards Mastercard
- Venus Credit Card