| Rewards | Earn 1 point per $1 spent on purchases. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.49% (APR is subject to change) |
| Cash Advance Fee | 4% of the cash advance amount (minimum $10) per cash advance transaction. |
| Late Payment Fee | Up to $5 for most Central Bank personal credit cards when you miss the due date. |
| Purchases APR | 12.75%?–?14.75%, based on your creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
Central Bank The Only Card® stands out as a simple, no‑annual‑fee rewards card aimed at everyday spending. Most users say they appreciate the straightforward points‑per-dollar rewards, which can be redeemed for cash back, travel, or gift cards, without worrying about rotating categories or complicated bonus structures. Many reviewers mentioned that the card is easy to manage, with responsive customer service and a solid option for people who prefer a regional bank relationship over a big national issuer.
On the flip side, cardholders often complain about the lack of a signup bonus and relatively modest rewards compared with major cash-back or travel cards. Some also note that online tools and mobile features feel basic, and the APRs can be high if you carry a balance.
Personally, I think this card is best for people who want simplicity and reliability, especially those already banking with Central Bank. It’s not the card for chasing big rewards or travel perks, but it’s a dependable, low‑stress option for everyday use. If you’re looking for flashy bonuses or premium perks, you might find better value elsewhere.
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Everyday Simplicity With Points
I picked up this card to simplify spending and earn points on daily buys. The straightforward cash back rewards and local customer service made it feel like a dependable go to in my wallet.
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simple and reliable
central bank the only card is straightforward and easy to use. I like the low fees and no-nonsense approach, but the rewards program feels limited compared to other card I've tried.
