Picture of the Central Bank ONLY Card MasterCard front

Central Bank ONLY Card MasterCard Reviews & Info

Login Secure Login Apply Application

Contact Information

  • Telephone: 573.594.6121
  • E-Mail: Live chat available
  • Mailing Address: St. Louis | O'Fallon, IL 350 Hartman Lane, O'Fallon, IL 62269

The Central Bank ONLY MasterCard is issued by Central Bank and offers its holders a great point rewards system (1X points for each dollar spent on any purchases and 2X points on selected promotional items) as well as a 0% introductory interest-rate in the first 6 months after opening an account.

Card Information


1X point for $1 spent.
2X points for certain promotions.

Signup Bonus

0% introductory APR in the first 6 months after opening an account

Annual Fee


Cash Advance APR

25.24% variable according to Prime Rate

Late Payment Fee

Up to $25

Purchases APR

9.24% to 21.24%, based on your creditworthiness.

CreditSpot Icon CreditSpot's CardScore Submit Review

Pros and Cons


+ 0% introductory APR
+ No annual fee
+ Point rewards


- High interest rates after the introductory period
- You can earn 2X points only during certain promotions
- High late payment fee

Permium Credit Card Offers

5 Reviews

Central Bank ONLY Card MasterCard Overall rating: ★★★★☆ 3.6 based on 5 reviews
5 1

The worst I had

2 5 1
I’m sorry to say, but regardless of the fact that this card has a point rewards system, it is often such a difficult process to redeem your money, that it’s not really worthy even to try

Good rewards but high interest

4 5 1
I like this card a lot and am continuously enjoying its benefits, although the interest rates are quite high after the introductory period

That's the deal!

5 5 1
My favorite card ever! Great rewards system and the possibility of not paying interest in the first half a year after you open an account. What could you want more?

Nice one!

4 5 1
That’s the first card I get from Central Bank and I am far from being disappointed! I recommend it to everyone who wants to enjoy a great cash back system!

I have had much better

3 5 1
It’s true that this card offers some reasonable point rewards system, but it’s definitely not the best on the market.
Show More Reviews

Review Central Bank ONLY Card MasterCard

Review Title
Review Content

Compare Central Bank ONLY Card MasterCard

Recently Compared With (by users)

Picture of the Lowe's Business Rewards Credit Card frontLowe’s Business Rewards Credit Card Picture of the Wells Fargo Platinum Visa Card frontWells Fargo Platinum Visa Card Picture of the Bon-Ton Credit Card frontBon-Ton Credit Card Picture of the Amalgamated Platinum Rewards MasterCard Credit Card frontAmalgamated Platinum Rewards MasterCard Credit Card Picture of the Amex Everyday Preferred Credit Card frontAmex Everyday Preferred Credit Card Picture of the Choice Privileges Visa Signature Card frontChoice Privileges Visa Signature Card Picture of the Peebles Credit Card frontPeebles Credit Card Picture of the Citi Double Cash Credit Card frontCiti Double Cash Credit Card See All Comparisons >>

Compare. Quick. Efficient.

Filed Under

Similar Credit Cards