Credit Cards

Credit Cards

With a Credit Mastercard^® from Central Bank, you’ll get the convenience and flexibility to make purchases on your terms, with free rewards and the power of Mastercard^®.

We have a variety of credit card options - choose the credit card that fits your lifestyle. Whether your goal is to establish your credit, earn cash back+ and travel rewards, or simply have the flexibility to make those unexpected purchases, we have a credit card just for you.
Call us today at 314.862.8300 or stop by any Central Bank location to learn more.
Apply for a Credit Card

Choose a Credit Card from your local bank

Central Bank Credit Cards offer smarter, more secure and more efficient payments with EMV chip card technology. With an embedded microchip, you are protected by an extra layer of fraud protection. To learn more about EMV Chip Technology, visit our Security Center.

Making your credit card payment is easy – simply log into Online Banking to view pending activity, make payments, and view your rewards.

Compare Our Credit Cards

	ONLY Card View Rates	World View Rates	World Elite View Rates	Secured Card View Rates
Rewards	1 point per $1	1 point per $1	1.5 point per $1	N/A
Rewards Point Expiration	5 Years	5 Years	NO Expiration*	N/A
Annual Fee	None	None	$99	$25
International Transaction Fee	3%	1%	None	3%
Travel Accident Insurance	$250,000	$400,000	$500,000
24/7 Global Concierge
Price Protection
Extended Warranty
Purchases Assurance
Satisfaction Guarantee
MasterRental/CDW
Mastercard Travel Services
Mastercard Airport Concierge
Trip Cancellation
Baggage Delay
Lost/Damaged Luggage
VIP Luxury Travel Benefits
ShopRunner
onefinestay
Mastercard ID Theft Protection^TM
Mastercard Global Service

Compare Our Credit Cards

The Only Card

The only card you'll need, with free rewards and no annual fee.

NO Annual Fee
Free Rewards - Earn 1 Point per $1*
3% International Transaction Fee
$250,000 Travel Accident Insurance
Price Protection
Online Access
Purchase Assurance
Extended Warranty
And More!

World Mastercard

Spend with confidence knowing you have the buying power of Mastercard, backed by the customer service you deserve.

Free Rewards - Earn 1 Point per $1*
1% International Transaction Fee
$400,000 Travel Accident Insurance
24/7 Global Concierge Services
Price Protection
Extended Warranty
Purchase Assurance
And More!

World Elite Mastercard

More than 32 million acceptance locations, no international transaction fees, and protection against unauthorized purchases or identity theft.

Free Rewards - Earn 1.5 Points per $1 (No Expiration)*
$99 Annual Fee
0% International Transaction Fee
$500,000 Travel Accident Insurance
24/7 Global Concierge Services
Price Protection
Extended Warranty
Purchase Assurance
Satisfaction Guarantee
VIP Luxury Travel Benefits
And More!

Secured Card

The credit card to help you establish or rebuild your credit.

$25 Annual Fee
3% International Transaction Fee
$500,000 Travel Accident Insurance
Price Protection
Extended Warranty
Airport concierge
ID Theft protection
Global service
And More!

This card is issued by The Central Trust Bank pursuant to a license by Mastercard International Incorporated.
Mastercard is a registered trademark of Mastercard International Incorporated.
*Points have no expiration as long as the card is active and completes purchases on an annual basis.
+Cash back is provided in the form of a statement credit

Helpful Links
Research
Customer Service

Helpful Links

Apply Now

Website Links

Connect with Us

External Links

This icon indicates a link to third-party content. By clicking on the link, you will leave our website and enter a site not owned by the bank. The site you will enter may be less secure and may have a privacy statement that differs from the bank. The products and services offered on this third-party website are not provided or guaranteed by the bank.

Equal Housing Lender. Member FDIC.