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Choose Your Card

The You Card

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: 9.25% – 16.25% variable

intro rate for purchases, balance transfers, & cash advances: 0% for 6 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 cancellatio

hotel burglary reimbursement

cellular telephone protection

personal identity theft

roadside dispatch

Visa signature concierge

Visa signature perks

Platinum

Visa 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: 9.99% – 15.25% variable

intro rate for purchases, balance transfers, & cash advances: 3.70% for 6 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

Visa 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: 9.99% – 15.25% 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).

EMV Technology

Learn more about how our EMV Chip Cards enhance your credit card security.