Picture of the Central Bank ONLY Card MasterCard front

Central Bank ONLY Card MasterCard Reviews & Info

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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

Rewards

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

None

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
72

Pros and Cons

Pros

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

Cons

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

5 Reviews

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

The worst I had

★★☆☆☆
2 5 1
β€œI’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
β€œI 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
β€œMy 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
β€œThat’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
β€œIt’s true that this card offers some reasonable point rewards system, but it’s definitely not the best on the market.”
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