Credit Cards | Centra Credit Union

Contactless Cards

Contactless

If your card has a wave-like symbol that looks like a sideways Wi-Fi icon on the front, that means it’s contactless! You can tap to pay with your contactless cards at participating stores. If the place you shop doesn’t accept contactless payments, insert or swipe your card!

Your Contactless Card is Safe and Secure!

Each time you tap your card, the transaction creates a one-time security code that protects your payment information. That means your card information isn’t stored by the retailer, so your card is safeguarded against data breaches.

Plus, contactless cards only work when they’re within one to two inches of the payment terminal. You can also visit your nearest Centra location to pick up an RFID blocking sleeve for an extra layer of protection.

Find A Contactless Retailer

The You Card

Great for those with excellent credit looking for premier cardholder perks.The You Card

  • $5,000 – $20,000 credit line
  • no annual fee
  • 15 day grace period
  • APR for purchases and cash advances: 9.00% – 16.00% variable
  • intro rate for purchases, balance transfers, & cash advances: 0% for six months* from account opening
  • rewards available: cash back or use for payments (increments of $25), merchandise, and travel

Apply Now

More Benefits of The You Card

$1,000,000 travel insurance
lost/stolen card reporting
emergency cash disbursement
emergency card replacement
cardholder inquiry service
rental collision damage waiver
warranty manager
travel & emergency assistance
purchase security
trip cancellation
hotel burglary reimbursement
cellular telephone protection
personal identity theft
roadside dispatch
Visa signature concierge
Visa signature perks

Platinum

Designed for those who want to combine great rates with great rewards.Centra Visa Platinum

  • $500 – $20,000 credit line
  • no annual fee
  • 10 day grace period
  • APR for purchases and cash advances: 9.74% – 15.00% variable
  • intro rate for purchases, balance transfers, & cash advances: 3.70% for six months from account opening
  • rewards available: gift cards, merchandise, and travel

Apply Now

More benefits of Platinum

$1,000,000 travel insurance
lost/stolen card reporting
emergency cash disbursement
emergency card replacement
cardholder inquiry service
rental collision damage waiver
warranty manager
travel & emergency assistance

Secured Platinum

Perfect for anyone looking to build credit or to rebuild their finances.Centra Visa Platinum

  • $500 – $2,000 credit line
  • no annual fee
  • 10 day grace period
  • APR for purchases and cash advances: 9.74% – 15.00% variable
  • intro rate for purchases, balance transfers, & cash advances: none
  • rewards available: gift cards, merchandise, and travel

APPLY NOW

More Benefits of Secured Platinum

$1,000,000 travel insurance
lost/stolen card reporting
emergency cash disbursement
emergency card replacement
cardholder inquiry service
rental collision damage waiver
warranty manager
travel & emergency assistance

You deserve a reward

You shouldn’t have to jump through any hoops to be rewarded! That’s what we believe, anyway.  So we make it easy for you to earn great rewards by giving you points for the purchases you make every day. For every $1 you spend on purchases using your Centra Credit Card you earn 1 reward point. With CU Rewards, you can redeem your points at any time for gift cards, merchandise (brand-name electronics, jewelry, household items and more) or travel (flights, hotels, cruises, vacation packages).

Visit CUrewards.com

Credit CardsMinimum paymentCurrent rate (%)Annual fee
The YOU Card²2% of avg balance9.00 - 16.00None
VISA Platinum²2% of avg balance9.74 - 15.00None
Secured VISA Platinum²2% of avg balance9.74 - 15.00None

Credit Card Terms and Conditions | Credit Card Disclosures

*APR = Annual Percentage Rate and is based on a variable loan product. All loans are subject to credit approval. For the Platinum Card, the introductory promotional 3.70% APR will be in effect for the first six months from the time you open your credit card account. After the first six months, the APR is based on the Prime Rate (Index) plus a margin of Prime Plus 5.00% to 12.00% (currently 9.74% – 15.00%). For the YOU Card, the introductory promotional 0% APR will be in effect for the first six months from the time you open your credit card account. After the first six months, the APR is based on the Prime Rate (Index) plus a margin of Prime Plus 5.00% to 12.00% (currently 9.00% – 16.00%). Your APR will be calculated by adding a margin from above to the Prime Rate as currently published in the Wall Street Journal as of the 15th day of the month immediately preceding the billing cycle. Centra Credit Union may adjust the rate once each month effective the first day of the billing cycle. APR changes will reflect on the following month’s statement. The APR will never be greater than 18.00%. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, Centra Credit Union will choose a new index which is based upon comparable information. Offer subject to change at any time without notice.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.