- Low APR on purchases
- Reports monthly to 4 major credit bureaus
- A credit card for those with less than perfect credit
- Quality customer service
- Accepted where you see the MasterCard® or Visa® logo
- See application for complete terms & conditions
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed | Overall Rating |
| N/A | N/A | 9.9% | $48 | N/A | Bad Credit OK |  |
Centennial® MasterCard®/Visa® Review
The Centennial® MasterCard®/Visa®, issued by First PREMIER Bank, is a credit card designed for those with less than perfect credit.There are various fees associated with this card including the following which will be billed to the first statement: an annual fee of $48, an account set-up fee of $29, a program fee of $95, and a monthly participation fee of $7. These types of fees are common for cards designed for poor or limited credit and they will reduce the cardholder's available credit until they are paid.
The APR for purchases is very low (see Terms and Conditions) as compared to similar cards. Nevertheless, individuals who are considering this card should take into consideration the fees that are applied to new accounts. If these charges are not paid in full, they will simply be applied to the total balance and accrue additional finance charges on the account.
Those who become active members of the Centennial® MasterCard®/Visa® will be glad to know that transactions will be reported each month to all four major credit bureaus.
It is important to note that although the APR posted for purchases of 9.9% is fixed, if the cardholder's account goes past the due date two times in any six month period or it goes past the due date for two consecutive billing cycles, the penalty pricing will apply and the APR for purchases will increase to 19.9%.
Therefore, those who do not mind paying the fees associated with this card, which total $256 for the first year alone, may find the Centennial® MasterCard®/Visa® to be beneficial.
More Credit Card Offers from First PREMIER
- First PREMIER Bank MasterCard®/Visa®
- First PREMIER Bank Gold MasterCard®/Visa®
- Centennial Gold MasterCard®/Visa®
- Aventium(SM) Gold MasterCard®
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