Last Updated: 07/28/2025
1st Financial Bank USA Visa Gold Credit Card
Unaffiliated
in Credit Cards from 1st Financial Bank USA
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
29.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
29.9%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$25 - $55
1st Financial Bank USA Visa Gold Credit Card Review
This is a 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 12 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.9%
- $0 intro annual fee for 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.
- A 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.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of 1st Financial Bank USA Visa Gold Credit Card
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.1st Financial Bank USA Visa Gold Credit Card 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 29.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does 1st Financial Bank USA Visa Gold Credit Card have an intro APR offer on new purchases?
| 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 12 months.
What are the fees for 1st Financial Bank USA Visa Gold Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $25 - $55 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $25 up to $55.
What is the customer service phone number for 1st Financial Bank USA Visa Gold Credit Card?
The customer service number for 1st Financial Bank USA Visa Gold Credit Card is (800) 733-1732.
What is the support contact email for 1st Financial Bank USA Visa Gold Credit Card?
The support contact email for 1st Financial Bank USA Visa Gold Credit Card is contact@1fbusa.com.
What is the login page for 1st Financial Bank USA Visa Gold Credit Card?
You can access the login page of 1st Financial Bank USA Visa Gold Credit Card here.
How do people rate the customer service and user experience of 1st Financial Bank USA Visa Gold Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 to the following credit bureaus:
- 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 build your credit.
Does 1st Financial Bank USA perform a hard credit pull?
Yes, 1st Financial Bank USA Visa Gold Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for 1st Financial Bank USA Visa Gold Credit Card
- Visit the website of 1st Financial Bank USA Visa Gold Credit Card.
- 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.
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Contact
Headquarters
1st Financial Bank USA Credit Card Service Center
P.O. Box 1200
North Sioux City, SD 57049
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