
1st Century Bank Visa® Signature Rewards Credit Card
in Personal Credit Cards from 1st Century Bank
Unaffiliated1st Century Bank Visa® Signature Rewards Credit Card
in Personal Credit Cards from 1st Century Bank
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Purchase APR (Variable APR) | 15.99% - 19.99% |
Balance Transfer APR (Variable APR) | 15.99% - 19.99% |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
1st Century Bank Visa® Signature Rewards Credit Card Review
1st Century Bank Visa® Signature Rewards Credit Card is a credit card issued by 1st Century Bank. If you're wondering whether 1st Century Bank Visa® Signature Rewards Credit 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 Visa® Signature Rewards Credit Card has a variable purchase APR that ranges from 15.99% 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 Visa® Signature Rewards Credit 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 |
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Is there a 1st Century Bank Visa® Signature Rewards Credit Card cash back or rewards program?
No, 1st Century Bank Visa® Signature Rewards Credit Card does not offer a rewards program.
What are the 1st Century Bank Visa® Signature Rewards Credit Card benefits?
1st Century Bank Visa® Signature Rewards Credit Card provides the following benefits:
- Zero fraud liability
What are the relevant APRs for 1st Century Bank Visa® Signature Rewards Credit 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 Visa® Signature Rewards Credit Card has lower than average purchase APRs.1st Century Bank Visa® Signature Rewards Credit 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 Visa® Signature Rewards Credit Card have an introductory APR offer on balance transfers?
Yes, 1st Century Bank Visa® Signature Rewards Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 15.99% - 19.99% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 3% |
Does 1st Century Bank Visa® Signature Rewards Credit 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.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
What are the fees for 1st Century Bank Visa® Signature Rewards Credit Card?
The following fees apply to 1st Century Bank Visa® Signature Rewards Credit Card:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | $25 |
Late Payment Fee | up to $24.50 |
Does 1st Century Bank Visa® Signature Rewards Credit Card have a foreign transaction fee?
1st Century Bank Visa® Signature Rewards Credit 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 Visa® Signature Rewards Credit Card
- Visit the 1st Century Bank Visa® Signature Rewards Credit 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1875 Century Park East
Suite 1400
Los Angeles, CA 90067 - (310) 270-9500
- Visit Site
Other Services by 1st Century Bank

Availability
- 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 |
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