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

1st Century Bank Signature Rewards Card Review

1st Century Bank Signature Rewards Card is a credit card issued by 1st Century Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of 1st Century Bank Signature Rewards Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Earn rewards on every purchase.
  • 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.
  • 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.

    1st Century Bank Signature Rewards Card Rewards
    Rewards rate (all purchases) 1.5%
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    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?

    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.

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

    1st Century Bank Signature Rewards Card Balance Transfers
    Description
    Balance Transfer APR 15.99% - 19.99%
    Introductory Rate 0%
    Intro APR period (months) 12
    1st Century Bank Signature Rewards Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 15.99% - 19.99%
    Credit Limit N/A
    Penalty APR 24.99%
    Cash Advance APR 24.99%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 12

    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 $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
    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $10
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Late Fee Amount Up to $24.50
    Returned Payment Fee $25
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Credit Card Benefits
    • Fraud Liability
    Fraud Liability  
    Rewards Categories
    • Every Purchase
    Cash Advance APR (Variable APR) 24.99%
    Purchase APR (Variable APR) 15.99% - 19.99%
    Balance Computation average daily balance (including new purchases)
    Introductory Rate 0%
    Penalty APR 24.99%
    Balance Transfer APR (Variable APR) 15.99% - 19.99%
    Intro APR period 12
    Introductory Rate 0%

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    Other Personal Credit Cards

    1st Century Bank Personal Credit Cards

    Product

    Reviews

    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

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