First State Bank of Newcastle Visa Credit Card

First State Bank of Newcastle Visa Credit Card Review

This is a rewards card issued by First State Bank of Newcastle. If you're wondering whether First State Bank of Newcastle Visa Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. First State Bank of Newcastle Visa Credit Card has a fixed purchase APR of 14.88%
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of First State Bank of Newcastle Visa Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Cardholders can earn rewards on purchases everywhere First State Bank of Newcastle Visa Credit Card is accepted. First State Bank of Newcastle Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not include many credit card benefits.

First State Bank of Newcastle Visa Credit Card FAQ

Does First State Bank of Newcastle Visa Credit Card have a cash back or rewards program?

First State Bank of Newcastle Visa Credit Card is a rewards card.

First State Bank of Newcastle Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the First State Bank of Newcastle Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for First State Bank of Newcastle Visa 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 lower than average regular APRs.

First State Bank of Newcastle Visa Credit Card has a fixed purchase APR of 14.88%.

What are the fees for First State Bank of Newcastle Visa Credit Card?

The following fees apply:

• There is no overlimit fee

First State Bank of Newcastle Visa Credit Card Fees

Fees	Amount
Annual Fee
Overlimit Fee	$0
Returned Payment Fee	$0
Late Payment Fee	$0

Does First State Bank of Newcastle Visa Credit Card report your account activity to credit bureaus?

Yes, First State Bank of Newcastle Visa 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 First State Bank of Newcastle Visa Credit Card

• Visit the First State Bank of Newcastle Visa 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.