| Rewards | Earns 1 point per $1 spent, and points can be redeemed for cash back, travel, merchandise, gift cards, and more. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | There is no annual fee associated with this card. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 8.99% to 20.99% APR depending on creditworthiness. |
| Cash Advance Fee | Cash advance fee of 4% of the amount advanced (minimum $10). |
| Late Payment Fee | Late payments can be up to $35. |
| Purchases APR | Approximately 12.75% – 14.75% APR depending on creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Central Bank of Boone County credit card is a pretty classic community-bank card. It’s best known for straightforward rewards (or no-frills options), no annual fee on most versions, and being tied to a local bank relationship rather than flashy perks or big bonuses.
Most users say they like the simplicity. Many reviewers mention fair interest rates compared to big-bank cards, easy approval for existing customers, and responsive, human customer service — something regional banks tend to do well. Cardholders also appreciate that there’s no pressure to chase points or rotating categories.
On the downside, people often complain about the lack of standout rewards. There’s typically no large signup bonus, limited cash-back upside, and few travel or premium perks. Some users also note that online tools and apps feel more basic than those from national issuers.
Personally, I think this card makes sense if you value local banking, simplicity, and predictable terms. But if your goal is maximizing rewards or travel perks, you’ll likely find better value elsewhere.
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
R
Decent local card, but nit much else
It worked fine for basic purchases and local bills, but I didn't notice any useful perks or rewards. Makes a backup card, but not one I'd rely on for benefits.
