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  FirstBank Classic Visa
FirstBank Classic Visa Unaffiliated

FirstBank Classic Visa

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Highlights
Purchase APR 15.15%
Balance Transfer APR 18.15%
Credit Score Range 650 - 840
Annual Fee $0

FirstBank Classic Visa Review

This is a credit card issued by FirstBank. If you're wondering whether FirstBank Classic Visa 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.

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.
  • Competitive APRs. FirstBank Classic Visa has a variable purchase APR of 15.15%
  • 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.
  • 2.5% Balance transfer fee. FirstBank Classic Visa charges a fee of 2.5% on balance transfers. For example, a balance of $1,000 could cost $25 in transfer fees. The minimum fee is $2.
  • 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 odds if your credit score is above 650.
Pros & Cons of FirstBank Classic Visa
The Good The Bad
  • Potentially lower than average purchase APRs.
  • 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.
  • FirstBank Classic Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 2.5% balance transfer fee.
  • Does not include many credit card benefits.
FirstBank Classic Visa FAQ

Does FirstBank Classic Visa have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for FirstBank Classic Visa?

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.

FirstBank Classic Visa has a variable purchase APR of 15.15%. The card has a variable balance transfer APR of 18.15% . It also has a variable cash advance APR of 18.15% .

Does FirstBank Classic Visa 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.

FirstBank Classic Visa Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 18.15%
Balance Transfer Fee Minimum $2
Balance Transfer Fee % 2.5%

Does FirstBank Classic Visa have an intro APR offer on new purchases?

FirstBank Classic Visa Purchase Intro Offer
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 FirstBank Classic Visa?

The following fees apply:

FirstBank Classic Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $12
Late Payment Fee $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does FirstBank Classic Visa have a foreign transaction fee?

FirstBank Classic Visa 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.

What is the support contact email for FirstBank Classic Visa?

The support contact email for FirstBank Classic Visa is banking@efirstbank.com.

What is the FirstBank Classic Visa login page?

You can access the FirstBank Classic Visa login page here.

How do people rate the customer service and user experience of FirstBank Classic Visa?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does FirstBank Classic Visa report your account activity to credit bureaus?

Yes, FirstBank Classic Visa reports your account activity to the following credit reporting agencies:

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 FirstBank Classic Visa

  • Visit the FirstBank Classic 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.

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
  • Arizona
  • California
  • Colorado

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Cash Advance Fee (%) 2.5%
Minimum Cash Advance Fee ($) $2
Foreign Currency Transaction Fee 3%
Returned Payment Fee $12
Paper Statement Fee $3
Late Fee Amount $35
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
No Blackout Dates
Rewards Categories
  • Travel
  • Airfare
  • Car Rentals
  • Hotels
  • Every Purchase
Cash Advance APR 18.15%
Balance Computation Average Daily Balance
Purchase APR 15.15%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 18.15%
Balance Transfer Fee Minimum $2
Balance Transfer Fee % 2.5%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Travel
Card Network Visa

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