Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 17.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 17.99%(Verified 06/21/2024)
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Credit Score Range
500 - 850
Annual Fee
Starting at $19
MidFirst Bank Secured Card Review
This is a secured credit card issued by MidFirst Bank. If you're wondering whether MidFirst Bank Secured Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 17.99%
- A 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 up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of MidFirst Bank Secured Card
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.MidFirst Bank Secured Card 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%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | Starting at 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Starting at $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $24.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee as low as $19.
Does MidFirst Bank Secured Card have a foreign transaction fee?
MidFirst Bank Secured Card charges a foreign transaction fee of up to 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 customer service number for MidFirst Bank Secured Card 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.
What is the login page for MidFirst Bank Secured Card?
You can access the login page of MidFirst Bank Secured Card here.
How do people rate the customer service and user experience of MidFirst Bank Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MidFirst Bank Secured Card report your account activity to credit bureaus?
Yes, MidFirst Bank Secured Card reports to the following credit bureaus:
- 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 build your credit.
Does MidFirst Bank perform a hard credit pull?
Yes, MidFirst Bank Secured Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for MidFirst Bank Secured Card
- Visit the website of MidFirst Bank Secured Card.
- 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.
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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.
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