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  Central Bank World Elite Mastercard®

Central Bank World Elite Mastercard®

in Personal Credit Cards from Central Bank

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Central Bank World Elite Mastercard®

Unaffiliated

in Personal Credit Cards from Central Bank

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Highlights
Purchase APR  (Variable APR) 12.24% - 21.99%
Balance Transfer APR  (Variable APR) 12.24% - 21.99%
Credit Score Range 600 - 850
Annual Fee $99

Central Bank World Elite Mastercard® Review

Central Bank World Elite Mastercard® is a rewards credit card issued by Central Bank. If you're wondering whether Central Bank World Elite Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

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 World Elite Mastercard® has a variable purchase APR that ranges from 12.24% up to 21.99%.
  • 4% Balance transfer fee. Central Bank World Elite 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Central Bank World Elite Mastercard® Pros & Cons
The Good The Bad
  • Boxed – Stock up on groceries, household items, health supplies, and more in bulk without a membership fee.
  • ShopRunner – Get discounts and free 2-day shipping exclusive offers on clothing, beauty, electronics, home, gifts, and more.
  • onefinestay – Access to over 2,500 high-end rental homes in London, Paris, Rome, Los Angeles, Miami, and San Francisco. Receive a 10% off discount on all bookings.
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 6 months.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Central Bank World Elite Mastercard® is accepted.
  • Central Bank World Elite Mastercard® reports to multiple credit bureaus.
  • Charges an annual fee of $99
  • Does not offer a signup bonus.
  • Charges a 4% balance transfer fee.
Central Bank World Elite Mastercard® FAQ

Is there a Central Bank World Elite Mastercard® cash back or rewards program?

Central Bank World Elite Mastercard® offers a rewards program to its customers.

Central Bank World Elite Mastercard® Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A

Does Central Bank World Elite Mastercard® have a signup bonus?

Central Bank World Elite Mastercard® doesn't offer a cash signup bonus.

Does Central Bank World Elite Mastercard® offer an annual loyalty bonus?

Central Bank World Elite Mastercard® doesn't offer a cash loyalty bonus.

What are the Central Bank World Elite Mastercard® benefits?

Central Bank World Elite Mastercard® provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Cellular Telephone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Central Bank World Elite 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 World Elite Mastercard® has lower than average purchase APRs.

Central Bank World Elite 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 World Elite Mastercard® have an introductory APR offer on balance transfers?

No, Central Bank World Elite Mastercard® does not come with an introductory APR offer for balance transfers.

Does Central Bank World Elite Mastercard® have an introductory APR offer on new purchases?

Central Bank World Elite Mastercard® Purchase Intro Offer
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 World Elite Mastercard®?

The following fees apply to Central Bank World Elite Mastercard®:

Central Bank World Elite Mastercard® Fees
Fees Amount
Annual Fee $99
Foreign Transaction Fee 0%
Returned Payment Fee up to $35
Late Payment Fee up to $35

Does Central Bank World Elite Mastercard® have a foreign transaction fee?

Central Bank World Elite Mastercard® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Central Bank World Elite Mastercard® report your account activity to credit bureaus?

Yes, Central Bank World Elite 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 World Elite Mastercard®

  • Visit the Central Bank World Elite 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.

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 - 4:30pm
  • Tuesday 8:30am - 4:30pm
  • Wednesday 8:30am - 4:30pm
  • Thursday 8:30am - 4:30pm
  • Friday 8:30am - 4:30pm
  • Saturday Closed

Other Services by Central Bank

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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

Every Purchase (Points) Starting at 1.5
Every Purchase (Points) Earn one and a half points per dollar spent.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $99
Minimum Interest Charge $1.50
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Assistance
  • Concierge
Rewards Categories
  • Travel
  • Retail
  • Shipping
  • Every Purchase
Cash Advance APR (Variable APR) 24.99%
Balance Computation "Average daily balance" (excluding new purchases).
Purchase APR (Variable APR) 12.24% - 21.99%
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer APR (Variable APR) 12.24% - 21.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Rewards
  • Zero Percent
Card Network Mastercard

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