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  Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card

Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card

in Personal Credit Cards from Centris Federal Credit Union

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Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card

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in Personal Credit Cards from Centris Federal Credit Union

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Highlights
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® Max Cash Preferred Credit Card Review

This is a cashback credit card issued by Centris Federal Credit Union. If you're wondering whether Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card 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 balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Signup bonus. Offers a signup bonus of $150 if you spend $500 within 3 months.
  • Competitive APRs. Centris Federal Credit Union Visa Signature® Max Cash Preferred 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® Max Cash Preferred 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 Signature® Max Cash Preferred Credit Card
The Good The Bad
  • $150 bonus rewarded after you spend $500 within first 90 days of account opening. Redeem cash back for a statement credit, rewards card, or a deposit to a qualifying account.
  • Earn 5% cash back on first $2,000 of combined quarterly purchases from two categories of your choice: Home Utilities, Cell Phone Providers, TV/Internet/Streaming and more.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card is accepted.
  • Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card FAQ

Does Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

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Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) $150
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $150 after spending $500.

Does Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Centris Federal Credit Union Visa Signature® Max Cash Preferred 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 Signature® Max Cash Preferred 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. It has lower than average regular APRs.

It 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® Max Cash Preferred 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 12 months.

Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card 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 Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card?

The following fees apply:

  • There is no overlimit fee
Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card have a foreign transaction fee?

Centris Federal Credit Union Visa Signature® Max Cash Preferred 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 Signature® Max Cash Preferred Credit Card?

The Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card customer service number is (402) 334-7000.

What is the support contact email for Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card?

The support contact email for Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card is centris@centrisfcu.org.

Does Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card report your account activity to credit bureaus?

Yes, Centris Federal Credit Union Visa Signature® Max Cash Preferred 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® Max Cash Preferred Credit Card

  • Visit the Centris Federal Credit Union Visa Signature® Max Cash Preferred 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.

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.

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

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
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
  • Fraud Liability
  • Travel Assistance
Rewards Rates
  • Internet / Cable / Phone Services
  • Gas
  • Groceries
  • Restaurants
  • Utilities
  • Every Purchase
Signup Bonus Starting at $150
Cash Advance APR (Variable APR) 25.99%
Balance Computation "Average daily balance (including new purchases)".
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

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