Thank You for Being a Loyal Customer

You are one of our top Only Card users! We wanted to thank you for being a loyal customer by upgrading you to a card worthy of your status. The best part? You don’t have to do anything! We will automatically send you a new card, and you get to keep your same credit card number and Annual Percentage Rate (APR).²

Central Bank - World Card Upgrade

Benefits of being Upgraded to a World Mastercard

Experience a world of perks and benefits with the World Mastercard! Gain access to exclusive experiences, all while being protected against fraudulent purchases and identity theft.¹

Benefits ONLY Card World Mastercard
Rewards 1 point per $1 1 point per $1
Annual Fee No Fee No Fee
Cellular Wireless Protection No Yes
Lost or Damaged Luggage Reimbursement No Yes
Baggage Delay Reimbursement Yes Yes
Trip Cancellation Reimbursement No Yes
International Transaction Fee 3% 1%
Worldwide Travel Insurance $250,000 $400,000
Purchase Assurance No Yes
Master Rental Benefits Yes Yes
Mastercard Travel benefits, amenities, and upgrades No Yes
Mastercard Airport Concierge Yes Yes

How Does it Work?

You will be sent a new card in the mail but will keep your current credit card number. Your current card will work until you activate your new card. You have 30 days from receiving your offer email to opt out of the upgrade. If you want to opt out, please do so by June 12. The upgrade will come into effect on June 13. If you wish to opt out, you can either call (800) 445-9272 or email Bank Card Customer Service. If emailing please include “opt out request” as the subject, your last name as it appears on your card, and the last four digits of your card number. 

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  1. These are summary descriptions only. Back to content
  2. Additional terms, conditions and exclusions apply and are subject to change. Back to content

Cards are issued by The Central Trust Bank pursuant to a license by Mastercard International Incorporated.

Mastercard and the circles design are trademarks of Mastercard International Incorporated.

Apple, the Apple logo, and its products are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay and Google Play are trademarks of Google LLC. Samsung Electronics America, Inc. and all its products are registered trademarks of Samsung Electronics Co., Ltd.

For more information see the World Mastercard brochure here.