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  MidFirst Bank Rewards Card

MidFirst Bank Rewards Card

in Personal Credit Cards from MidFirst Bank

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MidFirst Bank Rewards Card

Unaffiliated

in Personal Credit Cards from MidFirst Bank

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Highlights
Purchase APR  (Variable APR) 13.99 - 19.99
Balance Transfer APR  (Variable APR) 13.99 - 19.99
Credit Score Range 650 - 850
Annual Fee 0

MidFirst Bank Rewards Card Review

This is a rewards credit card issued by MidFirst Bank. If you're wondering whether MidFirst Bank Rewards Card 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.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
  • Competitive APRs. MidFirst Bank Rewards Card has a variable purchase APR that ranges from 13.99% up to 19.99%.
  • 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.
  • 3% Balance transfer fee. MidFirst Bank Rewards 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 oods if your credit score is above650.
Pros & Cons of MidFirst Bank Rewards Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • 0% APR on new purchases .
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere MidFirst Bank Rewards Card is accepted.
  • MidFirst Bank Rewards Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
MidFirst Bank Rewards Card FAQ

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

MidFirst Bank Rewards Card is a rewards card.

MidFirst Bank Rewards Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does MidFirst Bank Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does MidFirst Bank Rewards Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the MidFirst Bank Rewards Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for MidFirst Bank Rewards 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 13.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 19.99%. 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 Rewards Card have an intro APR offer on balance transfers?

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

MidFirst Bank Rewards Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3
Balance Transfer Introductory APR 0
Balance Transfer APR 13.99 - 19.99
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 3

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

MidFirst Bank Rewards 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 Rewards Card?

The following fees apply:

MidFirst Bank Rewards Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $25.00
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 rewards card.

Does MidFirst Bank Rewards Card have a foreign transaction fee?

MidFirst Bank Rewards 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 Rewards Card?

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

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

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

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

Yes, MidFirst Bank Rewards 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 Rewards Card

  • Visit the MidFirst Bank Rewards 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 personal credit cards offered by MidFirst Bank

Availability

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

Feature Breakdown

Every Purchase (Points) Starting at 1
No Annual Fee
Annual Fee 0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 10
Cash Advance Fee (%) Starting at 5
Minimum Cash Advance Fee ($) Starting at 10
Foreign Currency Transaction Fee 3
Returned Payment Fee Up to 25.00
Late Fee Amount Up to 24.5
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 24.99
Balance Computation Average Daily Balance
Penalty APR (Variable APR) 24.99
Purchase APR (Variable APR) 13.99 - 19.99
Balance Transfer Fee % After Intro Period Starting at 3
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer APR (Variable APR) 13.99 - 19.99
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 3
Card Type
  • Rewards
Card Network Visa

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