Centris Federal Credit Union Visa® Platinum Credit Card
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| Purchase APR (Variable APR) |
13.49% - 23.49% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
13.49% - 23.49% (Verified 08/04/2023) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Centris Federal Credit Union Visa® Platinum Credit Card Review
This is a card issued by Centris Federal Credit Union. If you're wondering whether Centris Federal Credit Union Visa® Platinum Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 20 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 20 months.
- Competitive APRs. Centris Federal Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 13.49% up to 23.49%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Centris Federal Credit Union Visa® Platinum Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Centris Federal Credit Union Visa® Platinum Credit Card
| The Good | The Bad |
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Centris Federal Credit Union Visa® Platinum Credit Card FAQ
Does Centris Federal Credit Union Visa® Platinum Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Centris Federal Credit Union Visa® Platinum Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Centris Federal Credit Union Visa® Platinum Credit Card?
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.Centris Federal Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 13.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 23.49%. It also has a variable cash advance APR of 25.99% .
Does Centris Federal Credit Union Visa® Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 20 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 3% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 20 months |
| Balance Transfer APR | 13.49% - 23.49% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Centris Federal Credit Union Visa® Platinum Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 20 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 20 months.
What are the fees for Centris Federal Credit Union Visa® Platinum Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | Starting at $ up to $40 |
| Late Payment Fee | Starting at up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Centris Federal Credit Union Visa® Platinum Credit Card have a foreign transaction fee?
Centris Federal Credit Union Visa® Platinum Credit Card 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 Centris Federal Credit Union Visa® Platinum Credit Card?
The Centris Federal Credit Union Visa® Platinum Credit Card customer service number is (402) 334-7000.
What is the support contact email for Centris Federal Credit Union Visa® Platinum Credit Card?
The support contact email for Centris Federal Credit Union Visa® Platinum Credit Card is centris@centrisfcu.org.
What is the Centris Federal Credit Union Visa® Platinum Credit Card login page?
You can access the Centris Federal Credit Union Visa® Platinum Credit Card login page here.
How do people rate the customer service and user experience of Centris Federal Credit Union Visa® Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Centris Federal Credit Union Visa® Platinum Credit Card report your account activity to credit bureaus?
Yes, Centris Federal Credit Union Visa® Platinum Credit Card 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 Centris Federal Credit Union Visa® Platinum Credit Card
- Visit the Centris Federal Credit Union Visa® Platinum Credit Card 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
-
13120 Pierce Street
Omaha, NE 68144 USA - (402) 334-7000
- Visit Site
- Email Support
Other Services by Centris Federal Credit Union
Other Credit Cards by Centris Federal Credit Union
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) | 20 months |
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