| Rewards | You earn reward points on every eligible purchase that can be redeemed for cash back, travel, merchandise, gift cards, and more through the issuer’s rewards platform (uChoose Rewards). |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable |
| Cash Advance Fee | Often no fee for ATM cash advances on some Visa cards; other cards may charge 4% (min. $10). |
| Late Payment Fee | Up to $5 late payment fee on many personal Central Bank Visa cards. |
| Purchases APR | 12.75% to 14.75% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Central Bank Visa Credit Card, including options like the Platinum Rewards Visa®, is known for its no-annual-fee and straightforward rewards program. Most users say they appreciate earning points on every purchase, which can be redeemed for cash back, travel, or gift cards, without worrying about complicated categories or rotating bonuses. Many reviewers mentioned that the card offers reliable customer service and a simple, easy-to-manage account experience, especially for those who prefer a regional bank over a national issuer.
On the flip side, some cardholders complain about the modest rewards rate compared with big national credit cards. Others note that there’s no sign-up bonus and that mobile banking and online tools can feel basic. Interest rates for cash advances and carried balances are also higher than some competitors’, which may be a consideration if you don’t pay in full.
Personally, I think this card is best for everyday spenders who value simplicity, predictable terms, and local banking relationships. It’s a solid, low-stress card for managing routine expenses, but those chasing high rewards, travel perks, or flashy sign-up bonuses might find better options elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
C
Good Everyday Card , But Rewards Are Just Ok
Earning points on purchases was a nice bonus, though it never felt generous enough to compete with big bank rewards cards. Local customers service was personal, and I appreciated simple terms, but I usually reach for a higher earning cards first.
M
Good enough
Nothing wrong with it… nothing amazing, either. I use it mostly as a backup card because it’s simple and I know the bank staff by name. The fraud alerts work fast (I got a call within minutes when I accidentally typed in my number wrong online), which impressed me. But if I were choosing based on rewards, this would not be my first pick. It feels like an old-school card, in a comforting-but-basic way.
