The CENTRA GOLD MASTERCARD® is a personal credit card from CENTRA GOLD MASTERCARD®. The annual fee is $0. The ongoing APR is 20.99% Fixed. Rewards: Earn 1 points for every $1 spent on groceries, gas and sustainable transit; Earn 1 points for every $1 spent on recurring bills and digital streaming services; Earn 0.5 points for every $1 spent on all other purchases. Cash back: 1 point for every $1 spent on groceries, gas and sustainable transit; 1 point for every $1 spent on recurring bills and digital streaming services; 0.5 points for every $1 spent on all other purchases.