SuperMoney
  MidFirst Bank Secured Card

MidFirst Bank Secured Card

in Personal Credit Cards from MidFirst Bank

Unaffiliated

MidFirst Bank Secured Card

Unaffiliated

in Personal Credit Cards from MidFirst Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend MidFirst Bank Secured Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) Starting at 17.99
Balance Transfer APR  (Variable APR) Starting at 17.99
Credit Score Range 500 - 850
Annual Fee Starting at $19

MidFirst Bank Secured Card Review

This is a secured credit card credit card issued by MidFirst Bank. If you're wondering whether MidFirst Bank Secured 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
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 17.99%
  • 3% Balance transfer fee. MidFirst Bank Secured 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of MidFirst Bank Secured Card
The Good The Bad
  • Has an introductory APR rate on balance transfers of 17.99%.
  • Considers applicants with fair or poor credit.
  • MidFirst Bank Secured Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to .
  • 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 Secured Card FAQ

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

No, it does not offer a rewards program.

What are the MidFirst Bank Secured Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for MidFirst Bank Secured 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 higher than average regular APRs.

It has a variable purchase APR starting at 17.99% . The card has a variable balance transfer APR starting at 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 Secured Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 17.99%

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

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

This card does not offer an intro APR rate on new purchases.

What are the fees for MidFirst Bank Secured Card?

The following fees apply:

MidFirst Bank Secured Card Fees
Fees Amount
Annual Fee N/A
Foreign Transaction Fee 3%
Returned Payment Fee up to $25
Late Payment Fee up to $24.50

Does MidFirst Bank Secured Card have a foreign transaction fee?

MidFirst Bank Secured 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 Secured Card?

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

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

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

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

Yes, MidFirst Bank Secured 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 Secured Card

  • Visit the MidFirst Bank Secured 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

Icon for Personal Credit Cards
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

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
Annual Fee Starting at $19
Returned Payment Fee Up to 25
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 500 - 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
Balance Computation Average Daily Balance
Credit Limit 300 - 5,000
Penalty APR (Variable APR) 24.99
Purchase APR (Variable APR) Starting at 17.99
Balance Transfer Fee % After Intro Period Starting at 3
Balance Transfer Introductory APR (Variable APR) 17.99
Balance Transfer APR (Variable APR) Starting at 17.99
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 3
Card Type
  • Secured
Card Network Visa

Be the first to rate

 

Would you recommend MidFirst Bank Secured Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

MidFirst Bank Personal Credit Cards

Loading...