The Only Card℠

Our Central Bank Credit Card is built with you in mind. Receive free rewards, no annual fee, and the power of Mastercard®.

The Only Card℠ allows you to do all of your spending from one card, with free rewards and no annual fee to help you save time and money so you can enjoy the moments you live for.

You’ll have access to truly unforgettable experiences, and can choose the most convenient ways to shop with the latest card security features.

Call us today at (866) 236-8744 or stop by any Central Bank location to learn more.

Apply for a Credit Card

Take your wallet to the next level of awesome with The Only Card℠.


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Earn rewards on every purchase – Cash back+, travel, merchandise, gift cards, and more.

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Local Customer Service – We’re your local bank and can answer any questions you may have.

mobile wallet
Make mobile payments with the digital wallet of your choice – Apple Pay®, Samsung Pay, or Google Pay™.

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Mastercard ID Theft Protection – Mastercard provides you with a number of Identity Theft resolution services, should you believe you’re a victim of identity theft.

Mastercard Global Service – Mastercard provides worldwide, 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

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Mastercard Airport Concierge™– Enjoy savings on Airport Meet and Greet services, which includes a personal Meet and Greet agent to escort you 24/7 through the airport on departure, arrival, or any connecting flights at over 700 destinations worldwide.

MasterRental– If you rent a vehicle for 15 consecutive days or less with your covered card, you’re eligible for benefits with this coverage.

Worldwide Automatic Travel Accident– Receive insurance for up to $250,000 for accidents or injuries while traveling.

Baggage Delay – Baggage delay reimburses you for expenses incurred for the emergency purchase of essential items while you’re without your luggage.

We offer smarter, more secure and more efficient payments with EMV chip 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.