Centrix Bank is pleased to offer two great credit cards for our customers through our partnership with First National Bank of Omaha. You'll enjoy the benefits and convenience of platinum shopping with no annual fee and an introductory 0% APR.*

Maximum Rewards^® Visa^® Card

Start saving right away with an introductory 0% APR* with the Maximum Rewards® Visa® Card on all purchases and balance transfers for the first 12 billing cycles after your account is opened. Watch the savings continue at the conclusion of the introductory period with a variable APR of between 13.99% and 19.99%. Note: This is based upon the Prime Rate and your credit worthiness. Plus, you'll earn points redeemable for gift cards, merchandise, travel…even cash back in the form of a statement credit with every purchase made.†

Features:

• Earn Points. 1 point for every $1 in qualifying purchases.†
• Unlimited points. No limit to the number of points you can earn.
• No Annual fee*.
• Choice of rewards. Choose from gift cards, merchandise or travel on any major airline. See the Maximum Rewards Guide for further information.
• Online access. View transactions, pay your credit card bill, view up to seven years of prior statements and more!
• FirstGuard^®fraud. Keep your identity safe through fraud monitoring, guaranteed credit and identify theft information.
• Zero Liability Protection.†† Your card is protected 24/7, so you won't be held liable for unauthorized purchases made with your card or account information.
• Purchase Protection.‡ Protect nearly everything you buy with your Maximum Rewards® Visa® Card against theft, accidental damage and fire during the first 90 days after purchase.
• Extended Warranty.‡ Doubles most manufacturers’ original U.S. warranties on items you purchase with your Maximum Rewards® Visa® Card – for up to 12 additional months.
• Travel Assistant Services.‡ Receive access to a comprehensive array of emergency services that will enable you to receive help quickly while traveling.
• Travel Accident Insurance.‡ Receive up to $250,000 in Travel Accident Insurance for you and your family when you charge travel tickets to your Maximum Rewards® Visa® Card – at no extra cost to you.
• Auto Rental Discount.‡ Receive up to 25% discount at select auto rental agencies.

Important Information:

• In order to maintain the disclosed rates, you must make payments when due, stay within your credit limit and verify payments are not dishonored for any reason. Introductory rates do not apply to cash advances.
• Save even more with a low introductory balance transfer fee of 3% with this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer you make (minimum $10).
• Centrix Bank, in partnership with First National Bank of Omaha, reserves the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. All changes in terms will be subject to the requirements of applicable law. Offer applies to new accounts only. Payments on your account may be applied in the order we select, subject to applicable law.

*For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

†See the Maximum Rewards® Terms and Conditions Summary in the Summary of Credit Terms for details.

††Visa's Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify Centrix Bank promptly of any unauthorized use. Contact Centrix Bank for additional details or visit www.visa.com/security.

‡Complete details, including restrictions, limitations and exclusions, will be available when you become a card member. Cards are issued by First Bankcard, a division of First National Bank of Omaha, in partnership with Centrix Bank.

Platinum Edition^® Visa^® Card

Enjoy 0% introductory APR* on purchases for the first 12 billing cycles with the Platinum Edition® Visa® Card after account opening. Keep saving at the end of the introductory period with a variable APR of between 9.99% and 17.99%. Note: This is based upon the Prime Rate and your credit worthiness.

• No Annual Fee*
• Online access. View transactions, pay your credit card bill, view up to seven years of prior statements and more!
• FirstGuard^®fraud. Keep your identity safe through fraud monitoring, guaranteed credit and identity theft information.
• Zero Liability Protection.†† Your card is protected 24/7, so you won't be held liable for unauthorized purchases made with your card or account information.
• Purchase Protection.‡ Receive protection at no extra cost when you charge the entire amount of your travel tickets to your credit card.
• Extended Warranty.‡ Doubles most manufacturers' original U.S. warranties on items you purchase with your Platinum Edition® Visa® Card – for up to 12 additional months.
• Travel Assistant Services.‡ Receive access to a comprehensive array of emergency services that will enable you to receive help quickly while traveling.
• Travel Accident Insurance.‡ Receive up to $250,000 in Travel Accident Insurance for you and your family when you charge travel tickets to your Platinum Edition® Visa® Card – at no extra cost to you.
• Auto Rental Discount.‡ Receive up to 25% discount at select auto rental agencies.

• In order to maintain the disclosed rates, you must make payments when due, stay within your credit limit and verify payments are not dishonored for any reason. Introductory rates do not apply to cash advances.
• Save even more with a low introductory balance transfer fee of 3% with this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer you make (minimum $10).
• Centrix Bank, in partnership with First National Bank of Omaha, reserves the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. All changes in terms will be subject to the requirements of applicable law. Offer applies to new accounts only. Payments on your account may be applied in the order we select, subject to applicable law.




Summary of Credit Terms:
Annual Percentage Rate (APR) for Purchases & Balance Transfers	0.00% introductory APR for the first 12 billing cycles. After that, your APR will be 9.99%, 14.99% or 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	25.24%. This APR will vary with the market based on the Prime Rate.
Set-up and Maintenance Fees
Annual fee	None
Monthly fee	None
Additional/Replacement Card Fee	$10
Transaction Fees
Balance Transfer	Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater.
Cash advance	Either $15 or 5% of the amount of each cash advance, whichever is greater.
Cash equivalent	Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater.
Foreign Transaction	3% of each transaction in U.S. dollars
Penalty Fees Late Payment	Up to $35
Returned Payment (payment dishonored)	Up to $35




*For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

†† Visa's Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify Centrix Bank promptly of any unauthorized use. Contact Centrix Bank for additional details or visit www.visa.com/security.

‡Complete details, including restrictions, limitations and exclusions, will be available when you become a card member. Cards are issued by First Bankcard, a division of First National Bank of Omaha, in partnership with Centrix Bank.

Click on Apply Now below to enroll for the Platinum Edition® Visa® Card. For more information on our consumer credit cards, please contact Centrix Bank at 1-800-483-0220 and ask to speak with a personal banker.




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