The Centris Federal Credit Union is a personal credit card from Centris Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% to 28.24% variable, based on creditworthiness (terms accurate as of 10/2026) after a No introductory APR introductory rate. Signup bonus: 25,000 points after $2,000 in purchases within the first 120 days. Rewards: 4X points on eligible travel, gas stations and EV charging stations, entertainment, and recreation purchases; 1.5X points on all other eligible purchases.