1st Century Bank Visa® Commercial Card
in Personal Credit Cards from 1st Century Bank
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| Annual Fee | $0 |
| Purchase APR (Variable APR) | 11.99% - 17.99% |
| Balance Transfer APR (Variable APR) | 11.99% - 17.99% |
| Credit Score Range | 700 - 850 |
1st Century Bank Visa® Commercial Card Review
1st Century Bank Visa® Commercial Card is a credit card issued by 1st Century Bank.
This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether 1st Century Bank Visa® Commercial Card is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a 1st Century Bank Visa® Commercial Card cash back or rewards program?
No, 1st Century Bank Visa® Commercial Card does not offer a rewards program.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
What are the 1st Century Bank Visa® Commercial Card benefits?
1st Century Bank Visa® Commercial Card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
What are the relevant APRs for 1st Century Bank Visa® Commercial Card?
1st Century Bank Visa® Commercial Card has a variable purchase APR that ranges from 11.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 17.99%.
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® Commercial Card have an introductory APR offer?
Yes, 1st Century Bank Visa® Commercial Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer APR | 11.99% - 17.99% |
| Introductory Rate | 0% |
| Intro APR period (months) | 6 |
| Description | |
|---|---|
| Balance Computation | average daily balance (including new purchases) |
| Purchase APR | 11.99% - 17.99% |
| Credit Limit | N/A |
| Penalty APR | 24.99% |
| Cash Advance APR | 24.99% |
| Security Deposit | N/A |
| Introductory Rate | 0% |
| Intro APR period (months) | 6 |
What are the 1st Century Bank Visa® Commercial Card fees?
The following fees apply to 1st Century Bank Visa® Commercial Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $35 |
Does 1st Century Bank Visa® Commercial Card have a foreign transaction fee?
1st Century Bank Visa® Commercial 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.Does 1st Century Bank Visa® Commercial Card report your account activity to credit bureaus?
1st Century Bank Visa® Commercial Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for 1st Century Bank Visa® Commercial Card
- Visit the 1st Century Bank website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- 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.
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
| 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 $35 |
| Returned Payment Fee | Up to $35 |
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Other Personal Credit Cards
1st Century Bank Personal Credit Cards
Annual Fee
$0
Purchase APR
15.99% - 19.99%
Balance Transfer APR
15.99% - 19.99%
Credit Score Range
700 - 850
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