The Only Card℠ Mastercard®

Our Central Bank Credit Card is built with you in mind. Receive free rewards, no annual fee, and the power of Mastercard®.

The Only Card℠ allows you to do all of your spending from one card, with free rewards and no annual fee to help you save time and money so you can enjoy the moments you live for.

You’ll have access to truly unforgettable experiences, and can choose the most convenient ways to shop with the latest card security features, like Card Lock.

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Take your wallet to the next level of awesome with The Only Card℠.

Rewards IconEarn rewards on every purchase¹Cash back, travel, merchandise, gift cards, and more.

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Local Customer Service – We’re your local bank and can answer any questions you may have.

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Make mobile payments with the digital wallet of your choice – Apple Pay®, Samsung Pay, or Google Wallet™.

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Mastercard ID Theft Protection – Mastercard provides you with a number of Identity Theft resolution services, should you believe you’re a victim of identity theft.

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Mastercard Global Service – Mastercard provides worldwide, 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

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Mastercard Airport Concierge™– Enjoy savings on Airport Meet and Greet services, which includes a personal Meet and Greet agent to escort you 24/7 through the airport on departure, arrival, or any connecting flights at over 700 destinations worldwide.

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MasterRental– If you rent a vehicle for 15 consecutive days or less with your covered card, you’re eligible for benefits with this coverage.

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Worldwide Automatic Travel Accident– Receive insurance for up to $250,000 for accidents or injuries while traveling.

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Baggage Delay – Baggage delay reimburses you for expenses incurred for the emergency purchase of essential items while you’re without your luggage.

We offer smarter, more secure and more efficient payments with EMV chip technology. With an embedded microchip, you are protected by an extra layer of fraud protection. To learn more about EMV Chip Technology, visit our Security Center.

  1. Cash back is provided in the form of a statement credit. Back to content

This card is issued by The Central Trust Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. Subject to credit approval.

Mastercard and the circles design are trademarks of Mastercard International Incorporated.

Apple, the Apple logo, and its products are trademarks of Apple Inc., registered in the U.S. and other countries. Google Wallet and Google Play are trademarks of Google LLC. Samsung Electronics America, Inc. and all its products are registered trademarks of Samsung Electronics Co., Ltd.

These are summary descriptions only. Certain restrictions, limitations and exclusions apply and are subject to change. See bank for details or call 1-800-MASTERCARD for assistance. Applicable to U.S. Cardholders only.

Applicable to U.S. Cardholders only.

The Only Card Agreement