Centris FCU Visa Signature® Credit Card

Centris FCU Visa Signature® Credit Card Review

This is a cashback credit 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. This review will provide you with with all the details you need to make a good choice.

• 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 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.

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. Potentially 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 FCU Visa Signature® Credit Card is accepted. Centris FCU Visa Signature® Credit Card reports to multiple credit bureaus.

Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

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.

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Centris FCU Visa Signature® 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

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% .

What are the fees for Centris FCU Visa Signature® Credit Card?

The following fees apply:

• There is no overlimit fee

Centris FCU Visa Signature® 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 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.