The You Card
Great for those with excellent credit looking for premier cardholder perks.
$5,000 – $20,000 credit line
no annual fee
15 day grace period
APR for purchases and cash advances: 8.25% – 15.25% variable
intro rate for purchases, balance transfers, & cash advances: 0% for 12 months* from account opening
rewards available: cash back or use for payments (increments of $50), merchandise, and travel
$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.
$500 – $20,000 credit line
no annual fee
10 day grace period
APR for purchases and cash advances: 8.99% – 14.25% variable
intro rate for purchases, balance transfers, & cash advances: 3.70% for 12 months* from account opening
rewards available: gift cards, merchandise, and travel
$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.
$500 – $2,000 credit line
no annual fee
10 day grace period
APR for purchases and cash advances: 8.99% – 14.25% variable
intro rate for purchases, balance transfers, & cash advances: none
rewards available: gift cards, merchandise, and travel
$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).
*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 12 months from the time you open your credit card account. After the first 12 months, the APR is based on the Prime Rate (Index) plus a margin of Prime Plus 5.00% to 12.00% (currently 8.99% – 14.25%). For the YOU Card, the introductory promotional 0% APR will be in effect for the first 12 months from the time you open your credit card account. After the first 12 months, the APR is based on the Prime Rate (Index) plus a margin of Prime Plus 5.00% to 12.00% (currently 8.25% – 15.25%). 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.