Why choose a Platinum Mastercard® from Central?

Enjoy a fixed-rate well below the national average, on a Platinum Mastercard with us. You’ll benefit from consolidating higher-rate credit card debt, avoid any balance transfer fees, and save big money on interest! What will you do with that extra cash?

  • Enjoy a low intro rate of 1.99% APR* for the first 6 billing cycles
  • 9.40% APR* for purchases, balance transfers, and cash advances after the Introductory Rate.
  • No Annual Fee
  • No Balance Transfer Fee – unlike many other financial institutions that charge 3%-5% of the balance you transfer.

Apply for a credit card

Request Balance Transfer

Credit Builder Mastercard®

Whether you’re establishing your credit history or trying to repair it, a Secured Mastercard can help you do it. Amazing future here you come!

  • No Annual Fee
  • Credit line based on your saving deposit
  • Easy Approval
  • Build your credit by making on-time payments
  • We also have a Credit Builder Loan

Apply for a credit card

Mastercard Credit Card Terms & Rates

Effective as of 12/30/2020
Rates & BenefitsPlatinum Mastercard®Classic Mastercard®Secured Mastercard®
Regular Annual Percentage Rate* for purchases, cash advances, and balance transfers9.40% APR* Fixedas low as 12.50% APR* Fixed
17.99 % APR* Fixed
Intro APR Rate**1.99% APR* for first 6 billing cyclesNoneNone
Annual FeeNoneNoneNone
Balance Transfer FeeNoneNoneNone
Cash Advance FeeYesYesYes
Disable Lost and Stolen Card via Online or Mobile BankingYesYesYes
Report Lost or Stolen Card via Telephone
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Approval for credit cards are based on creditworthiness and ability to repay. Applicants who do not qualify for a Platinum MasterCard may be offered a Classic or Secured MasterCard®.
**Introductory APR is for the first 6 billing cycles. After that, your rate will convert to the standard rate for your account.

Lost or Stolen Cards

Call 410-828-4500 and listen for the prompt to report a lost or stolen card. You will be issued a new card and card number after speaking with a representative. 

Temporarily Misplaced Your Card?

If you have misplaced your card, you can temporarily Disable it and then Reactivate it via online or mobile banking when you find it. Simply access your account. Click on Remote Control Cards under the Account section on the left side of the page. This will alleviate having to get a new card and card number. If you don’t find your card, please call 410-828-4500 and report it as Lost or Stolen.

Worried about Debt?

We care about your financial health. That’s why we partner with GreenPath Financial Wellness to provide one-on-one budget reviews, debt management plans, credit report reviews, housing counseling, and student loan counseling.

Financial Wellness