The Centennial card is created for individuals with a low credit score. It is issued by the First Premier Bank a member of the FDIC.

There are easy requirements for approval; however it does carry some fees. This includes a one time $95 fee, an account set up fee of $29, and an annual fee of $48.

These fees will be charged against your available credit. Meaning when you are issued your card, you will have these fees on your balance.

It comes with an initial credit limit of $250, and an APR of 9.9%.

It can come as a MasterCard or Visa; you will decide when you apply. Additionally if you apply online you will have a response to your application within 60 seconds.