Maximize your rewards with the Credit Card.
Choose the rewards program for 2% cash back on all gas station and grocery store purchases or the rewards program for 3% cash back on all travel related purchases. Either way, you still get 1% cash back on all other purchases with no annual fee
Introductory Annual Percentage Rate (APR) for Purchases:
0.00%
Annual Percentage Rate (APR) for Purchases:
17.15%
Introductory Annual Percentage Rate (APR) for Balance Transfer:
0.00%
Annual Percentage Rate (APR) for Balance Transfer:
20.15%
Annual Percentage Rate (APR) for Cash Advances:
20.15%
Annual Fee:
None
International Transaction Fee:
- FirstClass Rewards:
None
- FirstCash Rewards:
3%
Balance Transfer:
2.5%
($2 minimum)
Cash Advance:
2.5%
($2 minimum)
Late Payment:
Up to $35
(Waived if the balance owed is less than $20)
Introductory APR
The Annual Percentage Rate (APR) for the first 6 months that your account is open.
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and convenience checks on the transaction date.
Minimum Interest Charge
There is no minimum interest charge from FirstBank, nor is there a minimum interest charge fee. Check the current interest rate above as that is the rate of interest paid on outstanding balances. Nice and simple, the way it should be.
How We Will Calculate Your Balance
We use a method called “average daily balance,” including new purchases. To compute the average daily balance, each day’s balance for the billing cycle is summed then divided by the number of days in the cycle.
