Centra Credit UnionThe You CardRegistry illustration · issuer artwork unavailable
The You CardCentra Credit Union · state credit union, IN · NCUA 68287
CurrentLast observed Oct 13, 2026Source date Oct 13, 2026Official issuerCredit card · ConsumerFiled as “The YOU Card - Visa® Signature”
Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory, 6 months | 0%CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “0% for six months from account opening¹”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| 12%–18% variableCENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “12.00% – 18.00% variable*”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website | |
| APR for balance transfersintroductory rate first | 0%CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “0% for six months from account opening¹”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| APR for cash advances | 12%–18% variableCENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “12.00% – 18.00% variable*”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | noCENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “no”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Other APRsoutside the standard boxes | 0%CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “0% for six months from account opening¹”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Cash advance · Introductory; Purchase · Introductory | intro rate for purchases, balance transfers, & cash advances: CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “intro rate for purchases, balance transfers, & cash advances:”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| APR qualificationsCash advance · Regular; Purchase · Regular | APR for purchases and cash advances: CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “APR for purchases and cash advances:”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Purchase rewardsNot disclosed | 1 point per $1. See source conditions for eligible purchases.CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “You shouldn’t have to jump through any hoops to be rewarded! That’s what we believe, anyway. So we make it easy for you to earn great rewards by giving you points for the purchases you make every day. For every $1 you spend on purchases using your Centra Credit Card you earn 1 reward point. With CU Rewards, you can redeem your points at any time for gift cards, merchandise (brand-name electronic…”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Rewards conditionsPurchase rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: gift cards, merchandise, travel. You shouldn’t have to jump through any hoops to be rewarded! That’s what we believe, anyway. So we make it easy for you to earn great rewards by giving you points for the purchases you make every day. For every $1 you spend on purchases using your Centra Credit Card you earn 1 reward point. With CU Rewards, you can redeem your points at any time for gift cards, merchandise (brand-name electronics, jewelry, household items and more) or travel (flights, hotels, cruises, vacation packages).CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “You shouldn’t have to jump through any hoops to be rewarded! That’s what we believe, anyway. So we make it easy for you to earn great rewards by giving you points for the purchases you make every day. For every $1 you spend on purchases using your Centra Credit Card you earn 1 reward point. With CU Rewards, you can redeem your points at any time for gift cards, merchandise (brand-name electronic…”CENTRA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |