The Centris Federal Credit Union Good Credit is a personal credit card from Centris Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 18.24% to 28.24% variable, based on the Prime Rate (route page checked 2026-10-14) after a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles introductory rate for 12 months. Approval typically requires a credit score of 650 or higher. Signup bonus: Earn a $100 bonus after your first purchase. Rewards: 3% cash back on all purchases for the first 12 billing cycles (up to $20,000), then 1.5% cash back on all purchases; 5% cash back on prepaid hotel and car reservations booked in the Travel Center. Cash back: 1.5%. Typical credit limit: $500-$25,000. This product reports activity to your personal credit report.