Apply for a Credit Card
The ONLY CardSM You'll Ever Need
Our Mastercard® credit card is available with rewards and a competitive interest rate.
The ONLY Card
Our Central Bank Credit Card is the only card you'll need, with free rewards, and the power of Mastercard®. More details about The ONLY Card
- Rewards: 1 point per $1
- Rewards Point Expiration: 5 years
- Annual Fee: None
- International Transaction Fee: 3%
- Travel Accident Insurance: $250,000
Important Information About Procedures For Opening An Account
To apply online, you must be 18 years or older, a U.S. citizen or resident alien, and have a U.S. address. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account or apply for a loan, we will ask for your name, physical address, date of birth, Social Security Number, and other information that will allow us to identify you. We may also ask for a copy of your driver's license or other identifying documents. We reserve the right to deny an application from a person residing outside of our trade area.
Cards are issued by Central Trust Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated.
Points have no expiration as long as the card is active and completes purchases on an annual basis. Cash back is provided in the form of a statement credit.
We're here to help! Contact one of our Technical Assistance representatives at
Monday-Friday: 7:00 a.m. to 5:00 p.m. MT
Saturday: 7:00 a.m. to 11:00 a.m. MT