Centris FCU Visa Signature® Credit Card
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| 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 FCU Visa Signature® Credit Card Review
This is a cashback card issued by Centris Federal Credit Union. If you're wondering whether Centris FCU Visa Signature® 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 12 months, which is the average period for 0% APR balance transfer cards.
- Signup bonus. Offers a signup bonus of up to $150 if you spend $500 within 3 months.
- Competitive APRs. Centris FCU Visa Signature® 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 eligible purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Centris FCU Visa Signature® 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Centris FCU Visa Signature® Credit Card
| The Good | The Bad |
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Centris FCU Visa Signature® Credit Card FAQ
Does Centris FCU Visa Signature® Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | Starting at $150 |
| Signup Bonus Spend Requirement | $500 |
| Signup Bonus Spend Period (months) | 3 months |
Does Centris FCU Visa Signature® Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $150 after spending $500.
Does Centris FCU Visa Signature® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Centris FCU Visa Signature® 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 FCU Visa Signature® 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 FCU Visa Signature® 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 FCU Visa Signature® 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.
| 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 FCU Visa Signature® 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 FCU Visa Signature® Credit Card?
The following fees apply:
- 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 |
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 FCU Visa Signature® Credit Card have a foreign transaction fee?
Centris FCU Visa Signature® 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 FCU Visa Signature® Credit Card?
The Centris FCU Visa Signature® Credit Card customer service number is (402) 334-7000.
What is the support contact email for Centris FCU Visa Signature® Credit Card?
The support contact email for Centris FCU Visa Signature® Credit Card is centris@centrisfcu.org.
What is the Centris FCU Visa Signature® Credit Card login page?
You can access the Centris FCU Visa Signature® Credit Card login page here.
How do people rate the customer service and user experience of Centris FCU Visa Signature® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Centris FCU Visa Signature® Credit Card report your account activity to credit bureaus?
Yes, Centris FCU Visa Signature® 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 FCU Visa Signature® Credit Card
- Visit the Centris FCU Visa Signature® 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
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
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
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