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.

Apply for a Credit Card

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
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


Annual Fee
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
Returned Payment
Up to $25