FirstBank Icon Visa Review

FirstBank Icon Visa is a cashback credit card issued by FirstBank. If you're wondering whether FirstBank Icon 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 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 Icon Visa has a variable purchase APR of 15.15%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 2.5% Balance transfer fee. FirstBank Icon Visa charges a fee of up to 2.5% on balance transfers. For example, a balance of $1,000 could cost up to $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 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 6 months. 0% APR on new purchases during the first 6 months. No annual fee. Cardholders can earn rewards on their purchases. FirstBank Icon Visa reports to multiple credit bureaus.	Does not offer a signup bonus. 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.

Is there a FirstBank Icon Visa cash back or rewards program?

FirstBank Icon Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward.

FirstBank Icon Visa Rewards

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

What are the FirstBank Icon Visa benefits?

FirstBank Icon Visa provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for FirstBank Icon 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. FirstBank Icon Visa has lower than average purchase APRs.

FirstBank Icon 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% .

What are the fees for FirstBank Icon Visa?

The following fees apply to FirstBank Icon Visa:

FirstBank Icon Visa Fees

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

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

Yes, FirstBank Icon 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 FirstBank Icon Visa

• Visit the FirstBank Icon 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.