FirstBank Icon Visa

FirstBank Icon Visa Review

This is a cashback card issued by FirstBank. If you're wondering whether FirstBank Icon Visa is the right card for you, read on.

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.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 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 Icon Visa

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. There is then a variable purchase APR that ranges from % up to 18.15%. 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.

FirstBank Icon Visa FAQ

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

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

FirstBank Icon Visa Rewards

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

What are the FirstBank Icon Visa benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for FirstBank Icon Visa?

It has a variable purchase APR of up to 18.15%.

The card has a variable balance transfer APR of 21.15% . It also has a variable cash advance APR of 21.15% .

What are the fees for FirstBank Icon Visa?

The following fees apply:

FirstBank Icon Visa Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$0
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 cashback card.

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.