Century federal credit union credit card login

New Century VISA Card

Are you ready for a card that offers so much for so little? New Century has two different VISA cards that we offer. Our VISA Classic has credit limits that start as little as $500. If you need a card that has a higher limit, our Gold card has a credit limit that starts out at $5,000. Other great features of both cards include:

• No annual fee
• Low interest rates
• No transaction fee for cash advances
• Up to date monthly statements showing all charges and payments

Don’t be tricked into getting a credit card elsewhere where your rate could be anywhere between 18-24%. Come see us at New Century FCU and take advantage of our low-rate VISA credit card. Just like the big bank VISA’s, it too is accepted anywhere VISA is.

The Century Federal Visa Signature 1.5% Cash Back credit card is designed for members who want to earn cash back on everyday purchases with the exclusive benefits of a Visa Signature card included at no extra charge!  

• New Cardholder offer
  • Get 0% APR for 12 months on purchases1
  • Get 0% APR for 12 months on balance transfers made within the first 90 days of opening your card
  • $150 bonus when you spend $1,000 in the first 90 days of opening a Century Federal Visa Signature account2
• Visa Signature benefits
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Extended Warranty Protection
  • Visa Concierge services
  • Complete Guide to Benefits
• 1.5% Cash Back on all purchases
• Cash Back rewards that you have earned will be displayed and managed through an online system called Cash Back Mall. See a preview of Cash Back Mall.
  • Cash back rewards are now available on demand ($5 minimum reward balance). You are not limited to a one-time annual payout in January
  • Cash back rewards that you have accrued from January through October will automatically transfer into Cash Back Mall
  • Access Cash Back Mall through Online Banking or by accessing your credit card account online.
  • Earn additional cash back rewards with featured retailers when you shop through Cash Back Mall
  • Redeem your cash back rewards in two ways: 
    • Account credit
    • Transfer to your Century Federal checking or savings account
• You will be able to see the rewards you have earned through Online Banking, on your credit card statements/eStatements, or by using the CFCU Visa app on your smartphone.
• No annual fee  
• In order to qualify for the Visa Signature card, you must be approved for a credit line of at least $5,000. 

Visa Signature FAQs

How do I contact the Visa Signature concierge?

For restaurant reservations, gift arrangements and event tickets, call 800-953-7392.

How do I contact Visa Signature 24-Hour customer service?

For general Visa Signature benefits questions, call 866-820-3846. 

Cash Back Mall FAQs

How do I access my Cash Back Mall account?

Access Cash Back Mall through Online Banking or by accessing your credit card account online here.

When can I request the cash back that I have earned?

Anytime! Once your Cash Back reward total has accrued to a minimum of $5, you can request cash back at will. (It may take up to three business days for rewards to post.) The cash back can be redeemed as an account credit or a credit to your Century Federal checking or savings account

How can I earn the additional cash back being advertised on Cash Back Mall by a merchant?

For online offers, you need to use the link to the merchant provided in Cash Back Mall and pay with your Century Federal Visa Signature card in order to earn the additional Cash Back. Make sure to read the details of the offer before you buy. For some in-store offers, you may see an “Activate” button next to the offer. You will need to click that button prior to shopping at that merchant to earn the additional cash back reward. If you "Activate" a reward for an in-store offer, please note the expiration date. Once that date has passed, that offer will no longer be active. If no button or link is present, simply use your Century Federal Visa Signature card to make your purchase in-store. 

Does the cash back reward advertised by a merchant include the 1.5% cash back that I’m earning on my Century Federal Visa Signature card?

The cash back reward advertised by a merchant in Cash Back Mall is in addition to the 1.5% that you earn from Century Federal.

Does the cash back I have earned ever expire?

Cash back rewards you have earned expire 4 years from when they were earned. Cash back rewards are displayed on your credit card statement every month. 

What do I do if my card is lost or stolen?

To report a lost or stolen Century Federal VISA Card please call the following numbers:

800-449-7728

(TTY) 800-221-7728

Who do I call with additional questions about my card?

For any credit card related inquires please call Century Federal’s Member Service Center at 216-535-3200. If you have questions regarding your account outside of regular business hours, please contact the 24-hour customer service line at 866-820-3088.

Visa Signature 1.5% Cash Back Disclosure

1Get 0% introductory APR on purchases and balance transfers for the first 12 billing cycles following account opening. Offer valid for new Century Federal Visa credit card accounts which meet qualifying criteria only. Balance Transfer offer valid only for 90 days after the new credit card account is opened. Balance transfers must be initiated from a non-Century Federal Visa credit card account to qualify. After the 12-month promotional period ends, the member’s annual percentage rate for purchases and balance transfers will adjust to their qualifying rate, depending on creditworthiness and other conditions. 2% Balance transfer fee applies. Visa rates, terms and conditions are subject to change at any time without notice, and may vary based on creditworthiness and qualifications. APR may adjust monthly with the market based on the Prime Rate following the end of the promotional period, although the rate will not exceed 17.99% APR. This offer is not available on Visa Platinum Secured cards.

2This offer is only available to members opening a new Century Federal Visa Signature account. To qualify and receive your bonus, you must use your new credit card account to make purchases totaling $1,000 or more during the first 90 days from account opening. “Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions. Once the qualification criteria has been met, the $150 bonus will be posted to the member’s Cash Back Mall account and the bonus will be reflected on the member’s credit card statement/eStatement.

*APR= Annual Percentage Rate. Credit limits and rates are subject to creditworthiness and can change anytime without notice.

**Secured VISA requires personal funds for card. Credit limit is based on the amount pledged.