Credit First National Association Private Label Credit Card

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

28.8%*

*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	28.8%	2 dollar sign symbols Pay average interest
720+	28.8%	3 dollar sign symbols Pay more interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: A minimum interest payment of $2 is required to avoid additional fees
Grace period: 23 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $29 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned Payment Fee: $29 (1st returned payment)
Returned Payment Fee: $40 (When the 2nd or greater payment is returned within 6 consecutive months)

Rewards and perks

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

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

This card does not offer cash advances.