Credit cards

person using contactless central one credit card at check out

 

Make your life easier with a contactless credit card from Central One.

All of our credit cards offer you a great rate on purchases and cash advances with no annual fees.


Compare our cards      Apply now

 

All Central One Credit Cards include these great benefits:
  • No Annual Fees, Balance Transfer Fees or International Transaction Fees 
  • Mobile wallet compatibility

  • No penalty rates
  • Contactless technology 

  • Same low APR for purchases & cash advances 
  • Instant issue on lost or stolen cards 

  • Zero liability for unauthorized transactions 
  • Card Control App to turn your card on or off
 
Plus, Central One credit cards are eligible for complimentary ID Navigator Powered by NortonLifeLockTM. This useful tool helps keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen. To confirm eligibility, visit www.cardbenefitidprotect.com.


Find the right card for your lifestyle.

Compare our selection of great credit card options.

 

Diamond

Diamond Rewards

Signature®


Diamond Card 2021
Diamond Rewards Card
2021 signature card design

Best for
Low APR designed for members
who carry a balance.
Unlimited rewards for those
who like to shop!
Highest rate cash back
unlimited rewards.

Lowest APR

 13.49%* 15.74%* 14.74%*

Unlimited Cash Back

 No 1%** 1.5%**

Benefits

 ID Navigator Powered by NortonLifeLock™ ID Navigator Powered by NortonLifeLock™ ID Navigator Powered by NortonLifeLock™, Travel and Emergency Assistance Services, Roadside Dispatch®

Cash Advance APR

 Same as APR for purchases Same as APR for purchases Same as APR for purchases

No Annual Fee

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Locally Serviced

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Accepted Worldwide

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International Transaction Fees

 None None None

Apply for a Diamond Card Apply for a Diamond Rewards card
Apply for a Signature® Card

Visa Diamond disclosure Visa Diamond Rewards disclosure

 


Looking for your first credit card?

Central One has the perfect option for you with our First Time Credit Card. Enjoy the benefits of a low introductory as low as 12.49 % APR*** for the first two years your account is open with no annual fee and no cash advance transaction fee.  Start building your credit today!

 

Apply now


 
Transfer your credit card balances to Central One and lower your high interest rate!
 
Save more when you transfer your high-rate credit card debt to Central One. No balance transfer fees or annual fees.



Need a Central One credit card?

Already a Central One credit card holder?

Apply for a credit card Start your balance transfer

Once approved, fill out and submit our Balance Transfer Form. See the top of the form for submission instructions.






  

All new Central One credit cards are now contactless and mobile wallet friendly.

Checkout swiftly, safely and securely with contactless technology.
 


Member Protect Program

Borrowers may qualify for loss of life, disability, and unemployment security protection on their Central One loans. Our Member Protect program provides relief in the event that you lose your job due to no fault of your own, become disabled due to injury or illness, or pass away. This is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.

 




Credit Building Programs

If you have no credit or need help rebuilding your credit, Central One offers credit building programs to help individuals improve their credit scores. By using these tools responsibly, you can build a strong credit history, leading to better loan terms and financial opportunities.


See our Credit Building Programs



*APR = Annual Percentage Rate. Actual rates and approval subject to applicant's creditworthiness. APRs are variable, adjust with Prime and are capped at 17.5%. See disclosure for full details. Central One Federal Credit Union membership is required. 

**Cash back rewards are deposited directly into your Central One account. 

***Based on creditworthiness. Terms and conditions apply or Loss of Introductory APR: We may end the introductory APR and apply the regular APR based on your creditworthiness if you fail to maintain a Central One checking account or discontinue e Statements. After 2 years, the account converts to the standard Visa Diamond or Diamond Rewards card rates. For more details, see First Time Visa Diamond disclosure or First Time Visa Rewards Card disclosure.