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  1st Century Bank Visa® Signature Rewards Credit Card

1st Century Bank Visa® Signature Rewards Credit Card

in Personal Credit Cards from 1st Century Bank

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1st Century Bank Visa® Signature Rewards Credit Card

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in Personal Credit Cards from 1st Century Bank

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Highlights
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

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 3% on balance transfers. For example, a balance of $1,000 could cost $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 will have low approval odds if your credit score is below 700.
Pros & Cons of 1st Century Bank Visa® Signature Rewards Credit Card
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.
  • 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 benefits.
1st Century Bank Visa® Signature Rewards Credit Card FAQ

Does 1st Century Bank Visa® Signature Rewards Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

1st Century Bank Visa® Signature Rewards Credit Card Balance Transfers
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 intro APR offer on new purchases?

1st Century Bank Visa® Signature Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

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

What are the fees for 1st Century Bank Visa® Signature Rewards Credit Card?

The following fees apply:

1st Century Bank Visa® Signature Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $25
Late Payment Fee up to $24.50

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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 foreign transaction fees.

What is the customer service phone number for 1st Century Bank Visa® Signature Rewards Credit Card?

The 1st Century Bank Visa® Signature Rewards Credit Card customer service number is (310) 270-9500.

What is the support contact email for 1st Century Bank Visa® Signature Rewards Credit Card?

The support contact email for 1st Century Bank Visa® Signature Rewards Credit Card is treasurymanagement@1cbank.com.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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

  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

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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
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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