Last Updated: 07/28/2025
Central Bank World Secured Mastercard®
Unaffiliated
in Credit Cards from Central Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.74%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
18.74%(Verified 06/21/2024)
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Credit Score Range
350 - 600
Annual Fee
$25
Central Bank World Secured Mastercard® Review
This is a secured credit card issued by Central Bank. If you're wondering whether Central Bank World Secured Mastercard® is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 18.74%
- A 4% balance transfer fee. Central Bank World Secured 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 up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Central Bank World Secured Mastercard®
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Central Bank World Secured Mastercard® FAQ
Does Central Bank World Secured Mastercard® have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Central Bank World Secured 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 Secured Mastercard® has a variable purchase APR of 18.74%. The card has a variable balance transfer APR of 18.74% . It also has a variable cash advance APR of 24.99% .
Does Central Bank World Secured 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 Secured Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Central Bank World Secured Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 $25.
Does Central Bank World Secured Mastercard® have a foreign transaction fee?
Central Bank World Secured Mastercard® charges a foreign transaction fee of up to 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 World Secured Mastercard®?
The customer service number for Central Bank World Secured Mastercard® is (866) 236-8744.
What is the support contact email for Central Bank World Secured Mastercard®?
The support contact email for Central Bank World Secured Mastercard® is cbccustomerservice@centralbank.net.
What is the login page for Central Bank World Secured Mastercard®?
You can access the login page of Central Bank World Secured Mastercard® here.
How do people rate the customer service and user experience of Central Bank World Secured Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Central Bank World Secured Mastercard® report your account activity to credit bureaus?
Yes, Central Bank World Secured 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 Secured 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 Secured Mastercard®
- Visit the website of Central Bank World Secured 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.
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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