Bank · FDIC insured
Central Bank Credit Card Rates
Top CarrotCentral Bank credit cards start at 13.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Central Bank’s credit card rates compare
Compared with banks and credit unions near Lexington, KY, where Central Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Central Bank
13.00%APR
- Up to
- 15.00% APR
UK Alumni Visa Card
Lowest rate
Lexington Postal Credit Union
8.25%APR
- Up to
- —
2nd-lowest rate
Transcend Credit Union
8.90%APR
- Up to
- 17.90% APR
Central Bank credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Rewards Visa Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00%–15.00% | None | APRs are variable and determined by adding 6.00% to 8.00% to the Prime Rate in effect at the time of account opening. Current APRs based on Prime Rate as of 10-9-2026. Minimum credit limit $5,000. Subject to credit approval. |
Sources (1)
- centralbank.com/personal-credit-cards · captured Oct 22, 2026
UK Alumni Visa Card
The University of Kentucky Alumni Association receives a portion of the proceeds to support student activities.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00%–15.00% | None | APRs are variable and determined by adding 6.00% to 8.00% to the Prime Rate in effect at the time of account opening. Current APRs based on Prime Rate as of 10-9-2026. Minimum credit limit $5,000. Subject to credit approval. |
Sources (1)
- centralbank.com/personal-credit-cards · captured Oct 22, 2026
Visa Classic Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.50% | $20 | Minimum credit limit $1,000. Subject to credit approval. |
Sources (1)
- centralbank.com/personal-credit-cards · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.