If you are looking for the Central Trust Bank Gold MasterCard, it is better known as the Central Bank MasterCard. Central Bank is based out of Jefferson City, Missouri, and offers banking services for both personal and business accounts.
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With the MasterCard from Central Bank, you can choose whether you want a rewards program or not. You also will enjoy terms that are beneficial to you and your bottom line.
Central Bank MasterCard Terms
You can choose whether you would like a rewards program with your Central Bank MasterCard. If you choose not to earn bonus points with each purchase, there is no annual fee associated with your card. If you choose the rewards program, you will pay an annual fee of $29.
All of the MasterCard credit cards offer an introductory rate of 0% for the first six months. After that amount of time, the interest rate will vary depending on your credit score. The APR will either be 8.99%, 11.99%, or 14.99%. Unlike many other credit cards, the APR is the same for purchases, cash advances, and the transfer of balances.
There is no fee if you go over your credit limit, but there is a $25 fee for both payments that are returned and payments that are made late. For balance transfers as well as cash advances, there are transaction fees of either 4% of the amount or $10, with the maximum amount being $100. There is a 1% fee for all foreign transactions on this credit card.
It is important to understand the terms of your credit card. The Federal Reserve has credit card information that can help you if you have questions.
Central Bank MasterCard Benefits
For your convenience, the Central Bank allows you to pick your own due date to fit with your budget. You can also suggest your own credit limit based on what you need and can afford.
Because your interest rate is based off of your credit score, when your credit increases Central Bank will automatically lower your APR.
Central Bank is confident in offering you no hidden costs.
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