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  Central Bank World Mastercard®

Central Bank World Mastercard®

in Personal Credit Cards from Central Bank

Unaffiliated

Central Bank World 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 $0

Central Bank World Mastercard® Review

This is a rewards credit card issued by Central Bank. If you're wondering whether Central Bank World Mastercard® is the right card for you, read on. This review will provide you with with all the details you need 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 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 World 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 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, 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 World Mastercard®
The Good The Bad
  • Shoprunner – Get discounts and free 2-day shipping exclusive offers on clothing, beauty, electronics, home, gifts, and more.
  • onefinestay – Discounted access to over 2,500 high-end rental homes in London, Paris, Rome, Los Angeles, Miami, and San Francisco.
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Central Bank World Mastercard® is accepted.
  • Central Bank World Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 4% balance transfer fee.
Central Bank World Mastercard® FAQ

Does Central Bank World Mastercard® have a cash back or rewards program?

Central Bank World Mastercard® is a rewards card.

Central Bank World Mastercard® Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Central Bank World Mastercard® have a signup bonus?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Central Bank World Mastercard® benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Central Bank World 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. It has lower than average regular APRs.

It 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 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 Mastercard® have an intro APR offer on new purchases?

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

The following fees apply:

Central Bank World Mastercard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $35
Late Payment Fee 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 World Mastercard® have a foreign transaction fee?

Central Bank World Mastercard® 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 foreign transaction fees.

What is the customer service phone number for Central Bank World Mastercard®?

The Central Bank World Mastercard® customer service number is (866) 236-8744.

What is the support contact email for Central Bank World Mastercard®?

The support contact email for Central Bank World Mastercard® is cbccustomerservice@centralbank.net.

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

Yes, Central Bank World 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 Mastercard®

  • Visit the Central Bank World 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
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
Foreign Currency Transaction Fee 1%
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
  • Trip Cancellation Insurance
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
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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