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Personal Credit Cards

What do you want most from your credit card? Now you have a choice. Whatever your needs, Centric Bank has a credit card that’s right for you! All of our credit card products come with a variety of important features including EMV smart chip technology.

Any questions or concerns? Do not hesitate to contact one of our banking specialists.

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Type Features  
Visa® Platinum Card
  • Extended introductory offer
  • Save on interest and pay down your other credit card balances faster

Learn More or Apply


Visa® Bonus Rewards
  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that's equivalent to 1.25 points) on all points earned every month, automatically1
  • $25 cash back after your first purchase

Learn More or Apply


Cash Rewards American Express®
  • Earn up to 3% cash back on gas
  • Also earn up to 2% cash back at supermarkets and 1% on all other purchases
  • $25 cash back after your first purchase

Learn More or Apply


Visa Secured Card
  • For someone starting a credit history or for someone who has been turned down for a credit card2

Learn More or Apply

1 - After your first credit card eligible net purchase (purchases minus credits and returns), you’ll earn bonus points which can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. 2 - Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

The Elan Rewards Program is subject to change. Points earned on eligible Net Purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Points expire five years from the end of the quarter in which they are earned. Bonus Rewards: The 25% more in bonus rewards consists of 1 Reward Point for each dollar of eligible Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25%). Bonus Rewards Plus: The 50% more in bonus rewards consists of 1 Reward Point for each dollar of eligible Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50%). Monthly net purchase bonus points will be applied each billing cycle.

Credit Cards Can Be Great Financial Tools

Personal credit cards can be part of your overall financial strategy, designed to help you make the most of your money. They can actually offer you several benefits:

  • They allow you to make purchases — such as renting a car or securing a hotel room — which are difficult to make without a credit card.
  • They allow you to shop safely online.
  • You can get protection on big-ticket items and against fraudulent merchants.
  • When used correctly, they can help you build a good credit score.
  • They can provide you with the means of paying for emergencies, such as car repairs, tow trucks and anything else you need for unexpected occurrences.
  • They help you track spending, potentially making budgeting easier.
  • Some offer attractive features and bonuses, such as cash back features, reward point programs and more.
  • Credit cards allow you to name other users — such as your children — so they have access to money when they need it.
  • They allow you to build good spending and financial habits.
  • Credit cards can be used to set up automatic payments, so you can pay your bills on time.

Having a credit card in your wallet is a little bit of extra security. You always know that if you need something, you can purchase it. Credit cards can also help you pay for something quickly, efficiently and safely. Protected by your signature and a PIN number, they offer peace of mind. With Centric Bank credit cards, you can choose from a range of cards with the features and rewards you want.

Qualifying for a Credit Card

To get a credit card, you must qualify for one. To do so, you must generally:

  • Have reached age 18
  • Have a good credit history
  • Have a steady source of income
  • Submit an application that is approved

If you do not meet these qualifications, you may be able to secure a credit card by having a co-signer. For instance, many younger adults first build up their credit score by being listed on a parent’s credit card. If you have had trouble getting qualified before, contact Centric Bank to discuss options — including other financing products and services.

Centric Bank makes applying simple. You can even apply online. And if you'd like help applying for a credit card, simply call a financial center.

Choosing the Right Credit Card

Major credit card companies such as MasterCard and Visa offer a range of products to meet your needs. When choosing your credit card, however, your main considerations are:

  • Interest rates
  • The terms and conditions of the card (such as grace periods)
  • How you will use the card
  • Any annual fees or costs
  • Credit limits
  • Reward programs or the other features you want

If you're wondering which credit card is right for you, contact Centric Bank or visit one of our financial centers. A member of our team would be happy to help you. Or, if you prefer, review our handy chart above and apply instantly online for the card of your choice. Whether you prefer face-to-face contact or the convenience of online application, Centric Bank is there for you.