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  1st Century Bank Signature Rewards Card

1st Century Bank Signature Rewards Card

in Personal Credit Cards from 1st Century Bank

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1st Century Bank Signature Rewards Card

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in Personal Credit Cards from 1st Century Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 15.99% - 19.99%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 15.99% - 19.99%

1st Century Bank Signature Rewards Card Review

1st Century Bank Signature Rewards Card is a credit card issued by 1st Century Bank. If you're wondering whether 1st Century Bank Signature Rewards Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. 1st Century Bank Signature Rewards Card has a variable purchase APR of up to 19.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. 1st Century Bank Signature Rewards Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Earn rewards on every purchase.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee
  • Does not include many credit card rewards.

Is there a 1st Century Bank Signature Rewards Card cash back or rewards program?

No, 1st Century Bank Signature Rewards Card does not offer a rewards program.

What are the 1st Century Bank Signature Rewards Card benefits?

1st Century Bank Signature Rewards Card provides the following benefits:

  • Zero fraud liability

What are the relevant APRs for 1st Century Bank Signature Rewards Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 1st Century Bank Signature Rewards Card has lower than average purchase APRs.

1st Century Bank Signature Rewards Card has a variable purchase APR that ranges from 15.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 19.99%. It also has a variable cash advance APR of 24.99% . Note that late payments are subject to an APR of 24.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does 1st Century Bank Signature Rewards Card have an introductory APR offer on balance transfers??

Yes, 1st Century Bank Signature Rewards Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

1st Century Bank Signature Rewards Card Balance Transfers
Description
Balance Transfer APR 15.99% - 19.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10

Does 1st Century Bank Signature Rewards Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the 1st Century Bank Signature Rewards Card fees?

The following fees apply to 1st Century Bank Signature Rewards Card:

1st Century Bank Signature Rewards Card Fees
Fees Amount
Annual Fee up to $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
Returned Payment Fee $25
Late Payment Fee up to $24.50

Does 1st Century Bank Signature Rewards Card have a foreign transaction fee?

1st Century Bank Signature Rewards Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

How to apply for 1st Century Bank Signature Rewards Card

  • Visit the 1st Century Bank Signature Rewards Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by 1st Century Bank

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1.5 points earned for every $1 spent on all purchases. Points can be redeemed for cash, statement credit, travel, gift cards and more
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Returned Payment Fee $25
Late Fee Amount Up to $24.50
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Fraud Liability  
Credit Card Benefits Fraud Liability
Rewards Categories Every Purchase
Cash Advance APR (Variable APR) 24.99%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 24.99%
Purchase APR (Variable APR) 15.99% - 19.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 15.99% - 19.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

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1st Century Bank Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

1st Century Bank Visa® Commercial Card
Balance Transfer APR 11.99% - 17.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.99% - 17.99%
(Variable APR)
    0% 36% Variable APR