1st Century Bank Visa® Signature Rewards Credit Card

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

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?

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.

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

The following fees apply:

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

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.