SuperMoney 
  1st Century Bank Visa® Commercial Card

1st Century Bank Visa® Commercial Card

in Personal Credit Cards from 1st Century Bank

Unaffiliated

1st Century Bank Visa® Commercial Card

Unaffiliated

in Personal Credit Cards from 1st Century Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend 1st Century Bank Visa® Commercial Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
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.

1st Century Bank Visa® Commercial Card Rewards
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.

1st Century Bank Visa® Commercial Card Balance Transfers
Description
Balance Transfer APR 11.99% - 17.99%
Introductory Rate 0%
Intro APR period (months) 6
1st Century Bank Visa® Commercial Card Rates & Terms
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:

1st Century Bank Visa® Commercial Card Fees
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.

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

Icon for Personal Credit Cards
View all personal credit cards offered by 1st Century Bank

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

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
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 Score Range 700 - 850
Card Network
  • Visa
Card Type
  • Low Interest
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Fraud Liability  
Cash Advance APR (Variable APR) 24.99%
Purchase APR (Variable APR) 11.99% - 17.99%
Balance Computation average daily balance (including new purchases)
Introductory Rate 0%
Penalty APR 24.99%
Balance Transfer APR (Variable APR) 11.99% - 17.99%
Intro APR period 6
Introductory Rate 0%

Be the first to rate

 

Would you recommend 1st Century Bank Visa® Commercial Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

Avianca Vida Visa Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

2 Reviews

Avianca Life Miles Vuela Visa
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

1 Reviews

1st Century Bank Personal Credit Cards

Product

Reviews

Annual Fee

Purchase APR

Balance Transfer APR

Credit Score Range

1st Century Bank Signature Rewards Card
Annual Fee $0 Annual Fee
Purchase APR 15.99% - 19.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 15.99% - 19.99%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 700 - 850     300 850