How would you like your name to show on your card? This can be no more than 21 alphanumeric characters, including spaces.

Numeric Passcode

If you would like to create a six digit numeric code we can use to verify your identity over the phone, please enter it below.


Numeric passcode is used to help identify you. It cannot be your birthday or six consecutive numbers.



Do you rent or own your primary residence?

Physical Address
Please Note: our credit card service area is Missouri, Kansas, Oklahoma, Arkansas, Tennessee, Kentucky, Illinois, Iowa, Nebraska, and Colorado.

Mailing Address


Were you previously employed?

Gross Income help

You may include personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividends, retirement, and public assistance. You may also include shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or under, you may also include somebody else's income that is regularly used to pay your expenses.


Do you earn any other sources of income?

Authorized User

An authorized user will have permission to use this account with their own card, but will not be held financially responsible.

Balance Transfer

If you would like to transfer funds at this time, check the box below and enter information for up to four transfers.

Balance Transfers must be $100.00 or greater and may not be used to pay down any other Credit Card account with The Central Trust Bank. If the requested transfer amount exceeds your approved credit limit, a representative will contact you. A Balance Transfer fee may apply.

Are you sure you want to remove this authorized user?
Are you sure you want to remove this balance transfer?


Let's review what you've entered. Once you submit your application, we'll begin processing it.

My Information edit edit
Authorized User Information edit edit
Balance Transfers edit edit
Code Redemption
Have an offer or referral code? Enter it below.
Balance Transfer Disclosures

Refer to your Cardholder Agreement, sent with your card, for Rate and fee details. A Balance Transfer fee may apply. Balance Transfers must be $100.00 or greater and may not be used to pay down any other Credit Card account with The Central Trust Bank.

Balance Transfers requested within 10 days of account opening will be applied to your card account and sent to designated payee(s) 10 days after your new card is mailed. If you want to cancel or modify your balance transfer within this ten-day period you can call . You will need to continue to make payments on your other account(s) until you can confirm the balance has been paid. A payment will post to the other accounts at the time the transfer has been completed.

Save Application

Your application will be saved with the submission of this form. Please return within 10 days to resume and to submit your application. Simply use the password entered below and your Social Security Number to retrieve your saved application.

Password Strength:

Please call us at (573) 634-1111 if you have any questions. You can help protect yourself by making sure your password is hard to guess. Combine random numbers and letters instead of using your birthday, pet's name, or other obvious choices. Never share your password with anyone.

Retrieve Application

We are glad you are back to complete your application. We pre-populated your previous entries so you can ensure accuracy. If nothing has changed, simply start where you left off to complete the application.

To access your application, please reset your password by providing your date of birth and email as mentioned in your application.

loading icon  Loading reCaptcha...
reCAPTCHA helps protect websites from spam and abuse by using an advanced risk analysis engine and adaptive challenges to keep automated software from engaging in abusive activities.

A link was sent to your email on file.

info Follow the link in the email we sent you to reset your password. The link will remain active for one hour after the email is received.

If you did not receive an email, please call (855) 401-9637 for assistance.