
Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card
in Personal Credit Cards from Centris Federal Credit Union
UnaffiliatedCentris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card
in Personal Credit Cards from Centris Federal Credit Union
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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 Federal Credit Union Visa Signature® Max Cash Preferred Credit Card Review
Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card 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 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 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
The Good | The Bad |
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Is there a Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card cash back or rewards program?
Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | $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, Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card 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?
Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card doesn't offer a cash loyalty bonus.What are the Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card benefits?
Centris Federal Credit Union Visa Signature® Max Cash Preferred 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® Max Cash Preferred 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® Max Cash Preferred Credit Card has lower than average purchase 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%. 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 introductory APR offer on balance transfers?
Yes, Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card offers an introductory 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 Federal Credit Union Visa Signature® Max Cash Preferred Credit Card have an introductory APR offer on new purchases?
Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card does not offer an introductory rate on new purchases.What are the fees for Centris Federal Credit Union Visa Signature® Max Cash Preferred Credit Card?
The following fees apply to Centris Federal Credit Union Visa Signature® Max Cash Preferred 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® 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 a foreign transaction fee.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.
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) | • 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.¹ • Earn 2% unlimited cash back from one category: Gas Stations & Ground Transportation, Restaurants & Food Delivery or Grocery Stores & Grocery Delivery. • Earn 1% unlimited cash back on all other eligible purchases. • $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. |
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