1st Financial Bank USA Visa | Consumer Financial Protection Bureau

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

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Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

35.15%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	35.15%	3 dollar sign symbols Pay more interest
720+	35.15%	3 dollar sign symbols Pay more interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 12 months

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: None
Minimum finance charge: A minimum interest payment of $0.50 is required to avoid additional fees
Grace period: 24 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$25

No annual fee for one year, then $25 if the credit limit is less than $1,000 and $55 if the credit limit is equal to or greater than $1,000.

Late fee: $30 for the first late payment and $41 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned Payment Fee: $30 (RETURNED PAYMENT FEE: If a payment of any type (including without limitation payment by check or electronic funds transfer) made to your account is returned or otherwise not honored for any reason, you may be charged a fee of up to $30 for the first retur)
Replacement Card Fee: $10 (REPLACEMENT CARD FEE: If your card is lost or stolen and/or you request that a new card be issued to you, you may be charged a fee of $10. If you request that a new or replacement card be issued to you on an expedited basis, you may be charged a fee of )
Copy Fee: $3 (COPY FEE: For each copy of any statement or sales, refund, or cash advance slip you request from the Bank, you may be charged $3. This fee will be added to your purchases balance.)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Extension on manufacturer’s warranty
Travel and Emergency Assistance

Card features

Contactless Payments
Chip card
Fee-free foreign transactions

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

35.15%*

+

3% ($3 minimum)

*As of Jun. 30, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.