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  First Bank Maximum Rewards Mastercard

First Bank Maximum Rewards Mastercard

in Personal Credit Cards from First Bank

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First Bank Maximum Rewards Mastercard

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in Personal Credit Cards from First Bank

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Highlights
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

First Bank Maximum Rewards Mastercard 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 is everything you need to know 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 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 card. It gives you the benefits of a credit card, 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 up to 5% on balance transfers. After the introductory period, the fee is 5%. For example, a balance of $1,000 could cost up to $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 stand a chance of qualifying if your credit score is not below 650.
First Bank Maximum Rewards Mastercard Pros & Cons
The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • First Bank Maximum Rewards Mastercard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee. After the introductory period, the fee is 5% of the balance transferred or $10, whichever is greater.
  • Does not include many credit card benefits.
First Bank Maximum Rewards Mastercard FAQ

Is there a First Bank Maximum Rewards Mastercard cash back or rewards program?

No, First Bank Maximum Rewards Mastercard does not offer a rewards program. First Bank Maximum Rewards Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the First Bank Maximum Rewards Mastercard benefits?

First Bank Maximum Rewards Mastercard provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for First Bank Maximum Rewards Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Bank Maximum Rewards Mastercard has higher than average purchase APRs.

First Bank Maximum Rewards Mastercard 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 introductory APR offer on balance transfers?

Yes, First Bank Maximum Rewards Mastercard offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

First Bank Maximum Rewards Mastercard Balance Transfers
Description
Balance Transfer APR 18.24% - 28.24%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 5%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $10

Does First Bank Maximum Rewards Mastercard have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

First Bank Maximum Rewards Mastercard Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 6

What are the fees for First Bank Maximum Rewards Mastercard?

The following fees apply to First Bank Maximum Rewards Mastercard:

First Bank Maximum Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $35
Late Payment Fee $40

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 a foreign transaction fee.

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.

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.

Availability

  Available in 3 states
  • California
  • Illinois
  • Missouri

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $15
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $15
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.75
Returned Payment Fee $35
Late Fee Amount $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
Rewards Rates Every Purchase
Cash Advance APR (Variable APR) 18.24% - 28.24%
Balance Computation average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 18.24% - 28.24%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 18.24% - 28.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Balance Transfer
  • Cashback
Card Network Mastercard

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