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  MidFirst Bank Platinum Card
MidFirst Bank Platinum Card Unaffiliated

MidFirst Bank Platinum Card

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Highlights
Purchase APR  (Variable APR) 9.9 - 17.9
Balance Transfer APR  (Variable APR) 9.99 - 17.99
Credit Score Range 600 - 850
Annual Fee $0

MidFirst Bank Platinum Card Review

This is a card issued by MidFirst Bank. If you're wondering whether MidFirst Bank Platinum Card 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.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
  • Competitive APRs. MidFirst Bank Platinum Card has a variable purchase APR that ranges from 9.9% up to 17.9%.
  • 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. MidFirst Bank Platinum Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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 will have good approval odds if your credit score is above 600.

Pros & Cons of MidFirst Bank Platinum Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • 0% APR on new purchases . There is then a variable purchase APR that ranges from 9.9% up to 17.9%.
  • No annual fee.
  • Considers applicants with fair credit.
  • MidFirst Bank Platinum Card 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 3% balance transfer fee.
  • Does not include many credit card benefits.

MidFirst Bank Platinum Card FAQ

Does MidFirst Bank Platinum Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the MidFirst Bank Platinum Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for MidFirst Bank Platinum 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.

MidFirst Bank Platinum Card has a variable purchase APR that ranges from 9.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 9.99% up to 17.99%. It also has a variable cash advance APR starting at 24.99% . Note that late payments are subject to an APR of 24.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does MidFirst Bank Platinum Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

MidFirst Bank Platinum Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3
Balance Transfer Introductory APR 0
Balance Transfer APR 9.99 - 17.99
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 3

Does MidFirst Bank Platinum Card have an intro APR offer on new purchases?

MidFirst Bank Platinum Card Purchase Intro Offer
Description
Introductory Rate 0

This card does offer an intro APR rate of 0% on qualified purchases

What are the fees for MidFirst Bank Platinum Card?

The following fees apply:

MidFirst Bank Platinum Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $24.50
Late Payment Fee up to $24.50

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

Does MidFirst Bank Platinum Card have a foreign transaction fee?

MidFirst Bank Platinum Card 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 customer service phone number for MidFirst Bank Platinum Card?

The MidFirst Bank Platinum Card customer service number is (888) 643-3477.

What is the support contact email for MidFirst Bank Platinum Card?

The support contact email for MidFirst Bank Platinum Card is contact@midfirst.com.

What is the MidFirst Bank Platinum Card login page?

You can access the MidFirst Bank Platinum Card login page here.

How do people rate the customer service and user experience of MidFirst Bank Platinum Card?

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

Does MidFirst Bank Platinum Card report your account activity to credit bureaus?

Yes, MidFirst Bank Platinum 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 MidFirst Bank Platinum Card

  • Visit the MidFirst Bank Platinum 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.

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.

Contact

Hours of Operation

  • Sunday 12:00pm - 4:00pm
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:00am - 6:00pm

Other Services by MidFirst Bank

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View all credit cards offered by MidFirst Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0
Cash Advance Fee Minimum 10
Cash Advance Fee (%) Starting at 5
Minimum Cash Advance Fee ($) Starting at 10
Foreign Currency Transaction Fee 3
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to 24.5
Late Fee Amount Up to 24.5
Customer Type Personal
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 24.99
APR Type Variable APR
Balance Computation Average Daily Balance
Penalty APR (Variable APR) 24.99
Purchase APR (Variable APR) 9.9 - 17.9
Balance Transfer Fee % After Intro Period Starting at 3
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer APR (Variable APR) 9.99 - 17.99
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 3
Card Type
  • Low Interest
Card Network Visa

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