
Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card
in Personal Credit Cards from Centris Federal Credit Union
UnaffiliatedCentris Federal Credit Union Visa Signature® College Real Rewards Credit Card
in Personal Credit Cards from Centris Federal Credit Union
Not enough votes for recommendation
Would you recommend Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card to your friends?
Purchase APR (Variable APR) | 14.49% - 23.49% |
Balance Transfer APR (Variable APR) | 14.49% - 23.49% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card Review
Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card is a cashback credit card issued by Centris Federal Credit Union. If you're wondering whether Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter 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 6 months.
- Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card has a variable purchase APR that ranges from 14.49% up to 23.49%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Centris Federal Credit Union Visa Signature® College Real Rewards 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 oods if your credit score is above600.
The Good | The Bad |
---|---|
|
|
Is there a Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card cash back or rewards program?
Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.
Minimum rewards rate | 1.5x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus (Points/Miles) | 2500 |
Does Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card have a signup bonus?
Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card offer an annual loyalty bonus?
Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card doesn't offer a cash loyalty bonus.What are the Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card benefits?
Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card 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 Signature® College Real Rewards Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card has lower than average purchase APRs.Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR of 25.99% .
Does Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card have an introductory APR offer on balance transfers?
Yes, Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | Starting at 3% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 14.49% - 23.49% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card have an introductory APR offer on new purchases?
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 Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card?
The following fees apply to Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card have a foreign transaction fee?
Centris Federal Credit Union Visa Signature® College Real Rewards 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 a foreign transaction fee.Does Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card report your account activity to credit bureaus?
Yes, Centris Federal Credit Union Visa Signature® College Real Rewards 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 Signature® College Real Rewards Credit Card
- Visit the Centris Federal Credit Union Visa Signature® College Real Rewards 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 - (402) 334-7000
- Visit Site
Other Services by Centris Federal Credit Union

Availability
- 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) | You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). |
Be the first to rate
Would you recommend Centris Federal Credit Union Visa Signature® College Real Rewards Credit Card to your friends?
Centris Federal Credit Union Personal Credit Cards
- American Express® National Bank Gold Credit Card
- At Home MasterCard
- First State Bank of Newcastle Visa Credit Card
- FirstBank Puerto Rico Beyond Ultimate Visa Credit Card
- Hanscom Federal Credit Union Platinum Secured Mastercard
- Mathis Brothers Furniture Credit Card
- Meritrust Credit Union Visa Student
- Partners Federal Credit Union Visa Platinum Rewards Credit Card
- Polish and Slavic Federal Credit Union VISA Signature Elite Credit Card
- Sheely's Furniture Credit Card
- TD First Class Visa Signature Credit Card
- USNA Alumni Association & Navy Athletics USAA Rewards™ Visa Signature® Card