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  1st Financial Bank USA Visa Gold Credit Card

1st Financial Bank USA Visa Gold Credit Card

in Personal Credit Cards from 1st Financial Bank USA

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1st Financial Bank USA Visa Gold Credit Card

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in Personal Credit Cards from 1st Financial Bank USA

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Highlights
Purchase APR  (Variable APR) 29.9
Balance Transfer APR  (Variable APR) 29.9
Credit Score Range 600 - 850
Annual Fee $25 - $55

1st Financial Bank USA Visa Gold Credit Card Review

This is a credit card issued by 1st Financial Bank USA. If you're wondering whether 1st Financial Bank USA Visa Gold 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.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.9%
  • Annual fee waived the first year. 1st Financial Bank USA Visa Gold Credit Card gives you the chance to have the card for a year without paying the $25 annual fee.
  • 3% Balance transfer fee. 1st Financial Bank USA Visa Gold 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 $3.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of 1st Financial Bank USA Visa Gold Credit Card
The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • Annual fee waived during the first year.
  • Considers applicants with fair or poor credit.
  • 1st Financial Bank USA Visa Gold Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $55.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
1st Financial Bank USA Visa Gold Credit Card FAQ

Does 1st Financial Bank USA Visa Gold Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the 1st Financial Bank USA Visa Gold Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for 1st Financial Bank USA Visa Gold 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 higher than average regular APRs.

It has a variable purchase APR of 29.9%. The card has a variable balance transfer APR of 29.9% . It also has a variable cash advance APR of 29.9% .

Does 1st Financial Bank USA Visa Gold 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 Financial Bank USA Visa Gold Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 29.9
Balance Transfer Fee Minimum 3
Balance Transfer Fee % 3

Does 1st Financial Bank USA Visa Gold Credit Card have an intro APR offer on new purchases?

1st Financial Bank USA Visa Gold 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 Financial Bank USA Visa Gold Credit Card?

The following fees apply:

1st Financial Bank USA Visa Gold Credit Card Fees
Fees Amount
Annual Fee Starting at $25 up to $55
Returned Payment Fee up to $40
Late Payment Fee up to $40

What is the customer service phone number for 1st Financial Bank USA Visa Gold Credit Card?

The 1st Financial Bank USA Visa Gold Credit Card customer service number is (800) 733-1732.

Does 1st Financial Bank USA Visa Gold Credit Card report your account activity to credit bureaus?

Yes, 1st Financial Bank USA Visa Gold Credit 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 may help improve your credit.

How to apply for 1st Financial Bank USA Visa Gold Credit Card

  • Visit the 1st Financial Bank USA Visa Gold 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

  • Headquarters
  •   1st Financial Bank USA Credit Card Service Center
    P.O. Box 1200
    North Sioux City, SD 57049
  • (800) 733-1732
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 5:00pm

About 1st Financial Bank USA Visa Gold Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee First Year
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum 3
Cash Advance Fee (%) Starting at 3
Minimum Cash Advance Fee ($) Starting at 3
Annual Fee $25 - $55
Minimum Interest Charge 0.50
Returned Payment Fee Up to 40
Paper Statement Fee 3
Additional Card Fee Amount 10
Late Fee Amount Up to 40
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 29.9
Credit Limit Starting at 1
Purchase APR (Variable APR) 29.9
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 29.9
Balance Transfer Fee Minimum 3
Balance Transfer Fee % 3
Card Type
  • Student
  • Bad Credit
Card Network Visa

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