• Editor's Rating: 8.5
  • Consumer Rating: (4 ratings) 7.8
Intro APR: See Terms
Regular APR: See Terms*
Annual Fee: See Terms*
Intro Period: See Terms
Balance Transfer: No
Credit Needed: All Types

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  • 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

EDITORS' RATINGS OVERALL SCORE

8.5

Overall

The Bottom-Line

A good credit card option when bad credit history has kept you from getting a credit card.

The Good

Designed for those with bad credit situations, this card offers a low regular interest rate and the opportunity to rebuild credit through monthly reporting. An instant online approval option takes the wait out of knowing whether you qualify.

The Not So Good

If payments aren’t made on time penalties and other fees can get quite high.

CARD DESCRIPTION

The Centennial® Gold MasterCard® Visa® is a very good card for anyone who might have had trouble getting a credit card in the past.  Offering one of the lowest interest rates around for applicants with bad credit, this card will help rebuild credit history by reporting to the major credit bureaus on a monthly basis.  In addition, you can apply online and have a decision in less than 60 seconds.

The Centennial® Gold MasterCard® Visa® has a low APR on purchases and it reports monthly to 4 major credit bureaus so you can begin building your credit score or improving on less than desirable credit. This is a good choice for people looking to improve their score due to a lower interest rate than comparable cards.

The Centennial® Gold MasterCard® Visa® is accepted anywhere you see the MasterCard or Visa logo so you can use your card with confidence. They have an excellent customer service department if you need help with anything or have questions about your card or purchases made. Just be careful of making your making on time because the penalties and fees can get very high and this card reports regularly to the credit agencies.

Read Customer Reviews (Last Reviewed: Aug 03, 2008)

DETAILED EDITORS' RATINGS

8.0

Introductory APR

9.9% APR on purchases

8.0

Benefits

Low interest rate, monthly reporting to major credit bureaus and 24-hour account access by phone.

7.0

Fees

$48 annual fee; $29 account set-up fee; $95 program fee; $7 monthly servicing fee and $20 additional card fee.

8.5

Regular APR

Variable 9.9% APR