1st Financial Bank USA Visa Gold Credit Card

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% 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 odds if your credit score is above 600.

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. There is then a variable purchase APR of 29.9%. Annual fee waived during the first year. Considers applicants with fair 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. 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% .

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

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.