Credit Cards | Centra Credit Union

Choose Your Card

See the table below to find the credit card that’s best for you!


The YOU Card Great for those with excellent credit looking for premier cardholder perks.	Visa Platinum Designed for those who want to combine great rates with great rewards.	Visa Secured Platinum Perfect for students looking to build credit or adults looking to rebuild their finances.
$5,000 - $20,000 credit line	$500 - $20,000 credit line	$500 - $2,000 credit line
no annual fee	no annual fee	no annual fee
15 day grace period	10 day grace period	10 day grace period
APR for purchases and cash advances: 8.75% - 15.75% variable	APR for purchases and cash advances: 9.49%-15.00% variable	APR for purchases and cash advances: 9.49%-15.00% variable
intro rate for purchases, balance transfers, & cash advances: 0% for 6 months from account opening	intro rate for purchases, balance transfers, & cash advances: 3.70% for 6 months from account opening	intro rate for purchases, balance transfers, & cash advances: none
rewards available: cash back or use for payments (increments of $50), merchandise, and travel	rewards available: gift cards, merchandise, and travel	rewards available: gift cards, merchandise, and travel
More Benefits $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	More Benefits $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	More Benefits $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
Apply Now	Apply Now	Apply Now

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).