Credit for your everyday purchases

Credit for your everyday purchases

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Visa® Credit Cards for Personal Use

Purchasing power, flexibility and rewards: Visa® personal credit cards from Central Bank offer these benefits and more. You may not always have the cash on hand to make a vital purchase. For those times, your Visa® personal credit card can help. Each credit card from Central Bank does more than allow you to make purchases. Depending on the card, it may help you repair and build your credit history, manage your finances easier and possibly even earn rewards.

Central Bank offers four different Visa® personal credit card options to choose from. This ensures you get the credit card that is just right for your needs.

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Visa Classic Card

VISA® Classic Card

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Visa Platinum Card

VISA® Platinum Card

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Visa Rewards Card

VISA® Rewards Card

  • This credit card is for you if: you want to earn rewards
  • Key features: easy reward points system – 1 point earned for each dollar spent using the credit card, credit limit of up to $25,000, simple rewards redemption program that can be used on travel, merchandise, gift certificates and more, click here to view the Summary of Credit Terms
  • Online Account Access: yes, log in to your Visa Account to redeem points, make payments and view account activity.
  • Browse the Rewards catalog here.

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Summary of Credit Terms

Interest rates and interest chargesClassicPlatinumRewards
Annual Percentage Rate (APR) for purchases
12.74%
This APR will vary with the market, based on the Prime Rate.
8.74%
This APR will vary with the market, based on the Prime Rate.
12.74%
This APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers
12.74%
This APR will vary with the market, based on the Prime Rate.
8.74%
This APR will vary with the market, based on the Prime Rate.
12.74%
This APR will vary with the market, based on the Prime Rate.
APR for Cash Advances
19.99%
This APR will vary with the market, based on the Prime Rate.
19.99%
This APR will vary with the market, based on the Prime Rate.
19.99%
This APR will vary with the market, based on the Prime Rate.
Penalty APR and when it appliesNoneNoneNone
How to avoid paying interest on purchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
minimum interest chargeIf you are charged interest, the charge will be no less than $0.50.
for credit card tips from the consumer financial protection bureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FeesClassicPlatinumRewards
Set up fees and maintenance fees   
     Annual FeeNoneNone$50 (waived for the first year)
     Additional card feesNoneNoneNone
     Card Replacement fee$5$5$5
     Card rush fee$35$35$35
Transaction fees   
     Balance transferNoneNoneNone
     Cash AdvanceEither $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee, $50)Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee, $50)Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee, $50)
     Foreign Transaction3% of each transaction in U.S. dollars3% of each transaction in U.S. dollars3% of each transaction in U.S. dollars
Penalty fees   
     Late Payment$15$15$15
     Returned Payment$30$30$30
     Stop Payment Fee$30$30$30
How Will We Calculate Your Balance? We use a method called “average daily balance (including new purchases and cash advances).”
 
For additional information about the costs and terms of the account, please see the Cardmember Agreement which will be sent to you with the card. The Cardmember Agreement and the account will be governed by Iowa and applicable federal law. The Cardmember Agreement, which includes rates and fees, is subject to change.
 
This information is accurate as of January 3, 2017 and may change. For changes that may have been made, please call us at (866) 341-5195 or write us at Central Bank Bankcard Services, PO Box 10409, Des Moines, IA 50306.

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You are leaving the Central Bank website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from the Central Bank website.

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