Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.24% - 21.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.24% - 21.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$99
Central Bank World Elite Mastercard® Review
This is a rewards card issued by Central Bank. If you're wondering whether Central Bank World Elite 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 6 months.
- APRs: Central Bank World Elite Mastercard® has a variable regular purchase APR that ranges from 12.24% up to 21.99%.
- A 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 Auto Rental Collision Damage Waiver, access to a concierge, identity theft protection, purchase security, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Central Bank World Elite Mastercard®
| The Good | The Bad |
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Central Bank World Elite Mastercard® FAQ
Does Central Bank World Elite Mastercard® have a cash back or rewards program?
Central Bank World Elite Mastercard® is a rewards card.
| Description |
Does Central Bank World Elite Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does Central Bank World Elite Mastercard® offer an annual loyalty bonus?
This card 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
- Cell Phone 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Central Bank World Elite 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 6 months.
What are the fees for Central Bank World Elite Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $99.
Does Central Bank World Elite Mastercard® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Central Bank World Elite Mastercard®?
The customer service number for Central Bank World Elite Mastercard® is (866) 236-8744.
What is the support contact email for Central Bank World Elite Mastercard®?
The support contact email for Central Bank World Elite Mastercard® is cbccustomerservice@centralbank.net.
How do people rate the customer service and user experience of Central Bank World Elite Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Central Bank World Elite Mastercard® report your account activity to credit bureaus?
Yes, Central Bank World Elite Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does Central Bank perform a hard credit pull?
Yes, Central Bank World Elite Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Central Bank World Elite Mastercard®
- Visit the website of Central Bank World Elite Mastercard®.
- 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.
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Hours of Operation
SundayClosedMonday8:30AM - 4:30PMTuesday8:30AM - 4:30PMWednesday8:30AM - 4:30PMThursday8:30AM - 4:30PMFriday8:30AM - 4:30PMSaturdayClosed
Other Services by Central Bank
Other Credit Cards from Central Bank
Rating not yet determined
Purchase APR
12.24% - 21.99%
Disclaimer popup with additional information
Balance Transfer APR
12.24% - 21.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
12.24% - 21.99%
Disclaimer popup with additional information
Balance Transfer APR
12.24% - 21.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.74%
Disclaimer popup with additional information
Balance Transfer APR
18.74%
Disclaimer popup with additional information
Credit Score Range
350 - 600
300
850
Annual Fee
$25
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