First Bank Maximum Rewards Mastercard
in Personal Credit Cards from First Bank
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| Purchase APR (Variable APR) | 18.24% - 28.24% |
| Balance Transfer APR (Variable APR) | 18.24% - 28.24% |
| Credit Score Range | 650 - 840 |
| Annual Fee | $0 |
First Bank Maximum Rewards Mastercard Review
This is a cashback credit card issued by First Bank. If you're wondering whether First Bank Maximum Rewards Mastercard 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.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.24% up to 28.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
- 5% Balance transfer fee. First Bank Maximum Rewards Mastercard charges a fee of 5% on balance transfers. After the introductory period, the fee is 5%. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval oods if your credit score is above650.
| The Good | The Bad |
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Does First Bank Maximum Rewards Mastercard have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
What are the First Bank Maximum Rewards Mastercard benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Bank Maximum Rewards Mastercard?
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 that ranges from 18.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 28.24%. It also has a variable cash advance APR that ranges from 18.24% up to 28.24%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does First Bank Maximum Rewards Mastercard 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 6 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 5% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 18.24% - 28.24% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 5% |
Does First Bank Maximum Rewards Mastercard have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for First Bank Maximum Rewards Mastercard?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does First Bank Maximum Rewards Mastercard have a foreign transaction fee?
First Bank Maximum Rewards Mastercard 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 foreign transaction fees.Does First Bank Maximum Rewards Mastercard report your account activity to credit bureaus?
Yes, First Bank Maximum Rewards Mastercard 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 First Bank Maximum Rewards Mastercard
- Visit the First Bank Maximum Rewards Mastercard 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.
Contact
- Headquarters
-
11901 Olive Blvd
Creve Coeur, MO 63141 - Visit Site
Other Services by First Bank
Availability
- California
- Illinois
- Missouri
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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