• A happy woman shopping and holding her Central Bank Only Card up to see.
  • The Only CardSM
    Rates and Pricing

    You deserve a credit card with fair fees and rates that reflect your lifestyle.

    The Central Bank Only Card has no annual fee, free rewards, and allows you to easily manage your monthly payments with a monthly payment date of your choice.

    Shop and travel confidently with the power of Mastercard®, $250,000 travel accident insurance and rental car insurance.

  • Interest Rates and Interest Charges

    Annual Percentage Rate (APR) for Purchases
    0.00% introductory APR for six (6) months.
    After that, your APR will be 13.99% to 22.99%, based on your creditworthiness.
    This APR will vary with the market based on the Prime Rate.
    APR for Balance Transfers
    13.99% to 22.99%
    Your APR will be based on your creditworthiness.
    APR for Cash Advances
    26.99%
    This APR will vary with the market based on the Prime Rate.
    Paying Interest
    Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
    Minimum Interest Charge
    If you are charged interest, the charge will be no less than $1.50
    For Credit Card Tips from the Consumer Financial Protection Bureau
    To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

    Fees

    Annual Fee
    None
    Transaction Fees
    Balance Transfer
    Either $10 or 4% of the amount of each transfer, whichever is greater.
    Cash Advance
    Either $10 or 4% of the amount of each cash advance, whichever is greater.
    International Transaction
    3% of each transaction once converted into U.S. dollars
    Penalty Fees
    Late Payment
    Up to $25
    Over-the-Credit Limit
    None
    Returned Payment
    Up to $25