Want More Cash Back for the Holidays?

‘Tis the season to be rewarded! For a limited time, you can earn up to 5% cash back on your credit card purchases with an E-Central Platinum Rewards Visa®. Whether you’re indulging in holiday feasts, jetting off on adventures, or doing your weekly grocery shopping, you’ll earn uChoose Rewards® points on your purchases which can be redeemed for cash back, travel, gift cards, and more.

Redeem Points With uChoose Rewards®

Starting November 1 to January 5, 2025, you will earn 5 points per dollar spent on dining and travel, 2 points per dollar spent on gas and groceries, and 1.5 points per dollar spent on everything else.

With uChoose Rewards®, you decide how to use your points.

• Cash Back – Redeem points for a cash back.
• Travel – Use points on traveling such as flights, hotels, cruises and more.
• Merchandise – Redeem points for major merchants.
• Gift Cards – Use points to select gift cards for yourself or friends and family.
• Events - Redeem points for concerts, sporting events and theater.

Earn Points, Give Back: A New Way to Make a Difference

E-Central Platinum Rewards Visa® lets you turn your rewards into meaningful impact. Redeem your points at participating restaurants and retail stores, and a portion of your purchase will support charitable causes. Make your points matter and help create joy and hope for those in need. Cardholders will have the following three new charitable gift card options for redeeming uChoose Rewards® points:

Gift Card Options​

• Giving Good Gratitude
• Giving Good Hope
• Giving Good Joy

Lower Rate - Savings!

The difference in our rate compared to the competition could save you up to hundreds of dollars every year depending on your balance.

See How We Compare

• E-Central - Rates as low as 13.49% ^APR
• Bank Avg. - Rates as low as 19.50%^APR

In addition to a low rate, an E-Central Platinum Credit Card has no balance transfer fee. If you are looking to save money, then make our Platinum Credit Card your go-to credit card.

To learn more about Platinum Rewards Visa® and our uChoose Rewards® program with cash back, click here.  

*APR=Annual Percentage Rate. All loan rates, terms and conditions subject to change. “As low as” Consumer Loan rates listed are our best rates on approved credit. uChoose Rewards® is a registered trademark of Fiserv Inc. Limited time only promotion is from November 1, 2024 to January 5, 2025 on purchases for airlines, travel, dining, lodging, groceries, and gas. Qualified merchant codes (MCC) for dining are: 3000-3300, 3501-3833, 4011, 4111, 4112, 4119, 4121, 4131, 4214, 4215, 4225, 4411, 4457, 4468, 4511, 4582, 4722, 4723, 4784, 4789, 5812-5814, and 7011. Qualified merchant codes (MCC) for gas and groceries are: 5300,5411,5499, 5541, and 5542.

The bank average credit card rate is based on averaging several large retail banks’ best-advertised rates (as low as) based on tier one credit for a cashback or rewards card.