First Security Bank Platinum Edition Visa Review

First Security Bank Platinum Edition Visa is a credit card issued by Glacier Bancorp. Inc. If you're wondering whether First Security Bank Platinum Edition Visa is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• Signup bonus. Offers a signup bonus of $25 if you spend $1 within 3 months.
• Competitive APRs. First Security Bank Platinum Edition Visa has a variable purchase APR that ranges from 14.24% up to 23.24%.
• 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.
• 3% Balance transfer fee. First Security Bank Platinum Edition Visa charges a fee of up to 3% on balance transfers, if you transfer the balance within 450 days of opening the account. After the introductory period, the fee is 5%. For example, a balance of $1,000 could cost up to $30 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.

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. First Security Bank Platinum Edition Visa reports to multiple credit bureaus.	Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee, if you transfer the balance within 450 days of opening the account. After the introductory period, the fee is 5% of the balance transferred or $10, whichever is greater.

Is there a First Security Bank Platinum Edition Visa cash back or rewards program?

No, First Security Bank Platinum Edition Visa does not offer a rewards program.

What are the First Security Bank Platinum Edition Visa benefits?

First Security Bank Platinum Edition Visa provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for First Security Bank Platinum Edition Visa?

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 Security Bank Platinum Edition Visa has lower than average purchase APRs.

First Security Bank Platinum Edition Visa has a variable purchase APR that ranges from 14.24% up to 23.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 23.24%. It also has a variable cash advance APR of 25.24% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for First Security Bank Platinum Edition Visa?

The following fees apply to First Security Bank Platinum Edition Visa:

First Security Bank Platinum Edition Visa Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$35
Late Payment Fee	$40

Does First Security Bank Platinum Edition Visa report your account activity to credit bureaus?

Yes, First Security Bank Platinum Edition Visa 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 Security Bank Platinum Edition Visa

• Visit the First Security Bank Platinum Edition Visa 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.