
Central Bank The Only Card Mastercard®
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Purchase APR (Variable APR) |
12.24% - 21.99% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
12.24% - 21.99% (Verified 08/04/2023) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Central Bank The Only Card Mastercard® Review
This is a rewards card issued by Central Bank. If you're wondering whether Central Bank The Only Card Mastercard® is the right card for you, read on.
Key Takeaways
- 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 Auto Rental Collision Damage Waiver, 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 odds if your credit score is above 600.
Pros & Cons of Central Bank The Only Card Mastercard®
The Good | The Bad |
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Central Bank The Only Card Mastercard® FAQ
Does Central Bank The Only Card Mastercard® have a cash back or rewards program?
Central Bank The Only Card Mastercard® is a rewards card.
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?
This card doesn't offer a cash signup bonus.Does Central Bank The Only Card Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Central Bank The Only Card Mastercard® benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Central Bank The Only Card Mastercard® have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 6 months |
This card does offer an intro 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:
- There is no overlimit fee
Description | |
---|---|
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Starting at 4% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee? | |
Annual Fee | $0 |
Minimum Interest Charge | $1.50 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $35 |
Late Fee Amount | Up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
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 foreign transaction fees.What is the customer service phone number for Central Bank The Only Card Mastercard®?
The Central Bank The Only Card Mastercard® customer service number is (866) 236-8744.
What is the support contact email for Central Bank The Only Card Mastercard®?
The support contact email for Central Bank The Only Card Mastercard® is cbccustomerservice@centralbank.net.
What is the Central Bank The Only Card Mastercard® login page?
You can access the Central Bank The Only Card Mastercard® login page here.
How do people rate the customer service and user experience of Central Bank The Only Card Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 USA - (866) 236-8744
- Visit Site
- Email Support
Other Services by Central Bank
Other Credit Cards by Central Bank
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 | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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