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Choose Your Card

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

 The YOU CardVISA PlatinumVISA Secured Platinum
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 feeno annual feeno annual fee
15 day grace period10 day grace period10 day grace period
APR for purchases and cash advances: 9.25% - 16.25% variableAPR for purchases and cash advances: 9.99% - 15.25% variableAPR for purchases and cash advances: 9.99% - 15.25% variable
intro rate for purchases, balance transfers, & cash advances: 0% for 6 months from account openingintro rate for purchases, balance transfers, & cash advances: 3.70% for 6 months from account openingintro rate for purchases, balance transfers, & cash advances: none
rewards available: cash back or use for payments (increments of $50), merchandise, and travelrewards available: gift cards, merchandise, and travelrewards available: gift cards, merchandise, and travel
More Benefits
More Benefits
More Benefits
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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).

Learn more about our CU Rewards program.

EMV Technology

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

Download the Centra Credit Card app

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To apply for your credit card, contact us or visit your local Centra branch.

Credit Card Terms and Conditions | Credit Card Disclosures