Skip to main content
Back
Scroll to top

First Bank One Rewards Program: Learn More

Personal Finances 2 min read

Ready to talk to an expert?

There are a lot of advantages to being a First Bank credit card holder, but the First Bank One Rewards Program is the most beneficial to you. By simply using your Platinum Rewards Mastercard® or Mastercard® Business Card with Rewards, you’ll earn rewards for qualified everyday purchases like groceries, gas, utilities, tuition, and more.


Earn Rewards with Your First Bank Credit Card

Participation in the One Rewards Program is free and available to any customer who has a First Bank Mastercard® rewards credit card.

With our One Rewards Program, just one card allows you to redeem what you want, when you want. Earn points on gas, groceries, insurance, utilities, and more. Here are a few examples of some redemption options:

  • Gift cards to restaurants like Starbucks, Cracker Barrel, and Panera Bread
  • Merchandise like Apple watches, golf clubs, and more
  • Gift cards to retailers like Macy’s, Crate & Barrel, Shell, and Lowes
  • Travel packages

Start earning points to use on all of our travel rewards, gift cards, merchandise, cash back program, and other rewards options.

First Bank’s Card Options

First Bank offers Mastercard credit cards for individuals and businesses. Choose from the following to earn your One Rewards points.

Start Earning Your Rewards Today

If you don’t already have a First Bank Mastercard credit card, visit a First Bank branch near you today to learn how you can start earning through our First Bank One Rewards Program.


® Mastercard. Mastercard, Debit Mastercard, and the Mastercard brand marks are trademarks of Mastercard International Incorporated.

*See our Terms and Conditions for complete details on our One Rewards Program. Loans subject to credit approval.

Ready to talk to an expert?

Share:

You may be interested in...

How Much Savings Should I Have At Age 30? Do you know how much savings you should have at age 30? Unfortunately, there is no exact answer. Expert advice conflicts between encouraging 30-year-olds to save more and investing their already saved money into assets. However, if you’ve been saving the recommended 10-25% of your income in your 20s, then you’re already off to a great start! Estimated Amount of Savings by Age 30 How much savings you have, or should have, depends on your income. CNN Money provides the following estimates for people in their 30s to use as a guide to retirement savings. Income Estimated Savings Amount $40,000 $60,000 $65,000 $97,500 $90,000 $135,000 $115,000 $172,500 If these aren’t the numbers reflected in your savings account balance, don’t panic! This can easily be an over- or under-estimation for many, especially depending on when in your 20s you began saving. Focus on Investing Over Saving Rather than focusing on the number you should or should not have by the time you’re 30, you should instead focus on investing and paying off your debt. You have plenty of time to save up for that trip to Bermuda, but that shouldn’t be done while you’re carrying credit card debt. Money Under 30 recommends three financial goals that you should hit by the age of 30: Pay off consumer debt as soon as you can, including credit card debt and auto loans. Save an emergency fund of at least three months’ (or more!) worth of living expenses in case you are suddenly unemployed or have to foot a pricey car repair bill. Begin investing, as that adds to your net worth more than how much you’ve set aside in savings thus far. Consult with an investment advisor before making any investments. For more advice and guidance on savings, investing and retirement, contact your local First Bank* branch today. ——— Sources: Financial Samurai: http://www.financialsamurai.com/how-much-savings-should-i-have-accumulated-by-age/ CNN Money: http://money.cnn.com/gallery/retirement/2015/09/01/how-much-do-i-need-for-retirement/2.html Money Under 30: http://www.moneyunder30.com/how-much-money-saved-30 Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Osaic Institutions and FB Wealth Management, a division of First Bank, are not affiliated. We do not provide tax advice. Consult your tax advisor. Investment and Insurance Products are: Not Guaranteed by the Bank Not FDIC Insured Not a Deposit Not Insured by Any Federal Government Agency May Lose Value including Loss of 2 min read
Best Local Bank in North Carolina For a local bank in North Carolina that puts your financial goals first, check out your neighborhood First Bank. Named one of the Best Banks in North Carolina by Forbes, we’re small enough to know you like a neighbor, and large enough to provide financial services that fit your needs. We offer personal and business banking solutions with tons of savings options and a generous rewards program. Visit your local First Bank today for more information— more than 100 locations across the Carolinas. Financial Services Offered at First Bank At First Bank, we pride ourselves on being able to provide our customers a local, community-centric, banking experience. In fact, First Bank opened its first branch to help a local NC community that lost its only bank at the beginning of the Great Depression. We understand that the needs of the customers in various communities vary. That’s why we offer a variety of banking services at each of our locations, including: Checking accounts and savings accounts Debit and credit cards Personal loans and home equity lines of credit Business banking Treasury and merchant services Online and mobile banking, including mobile check deposit Mortgages, wealth management, and insurance Visit Your Local First Bank Today Come see why families and businesses have trusted us for years. To learn more about First Bank and why we are the best option for local banking, contact or visit us today. For more information on First Bank, see our articles on small banks near me, mortgage loan basics, and best mobile credit card processing service. ——— Securities and insurance products are offered through INFINEX INVESTMENTS INC., Member FINRA/SIPC. INFINEX INVESTMENTS INC. and FB Wealth Management, a division of First Bank, are not affiliated Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Osaic Institutions and FB Wealth Management, a division of First Bank, are not affiliated. We do not provide tax advice. Consult your tax advisor. Investment and Insurance Products are: Not Guaranteed by the Bank Not FDIC Insured Not a Deposit Not Insured by Any Federal Government Agency May Lose Value including Loss of Principal Sources: Investopedia: http://www.investopedia.com/terms/m/mortgage.asp Troy, NC: http://troy.nc.us/  2 min read
Image for tile. Credit Scores 101: Why They Matter and How to Improve Yours Why Does Your Credit Score Matter? A strong credit score opens up more opportunities — you can get a loan to help you buy a new car or purchase a home — and it helps you pay less by reducing the interest rate you pay when you do borrow money. When it comes to big purchases, a lower rate can save you hundreds or even thousands of dollars over time On the other hand, a poor credit score can lead to higher interest rates, increased insurance premiums, and limited access to credit, making it more expensive to achieve financial goals. Here are some of the biggest benefits of having a high credit score: Lower Interest Rates: With a higher credit score, you’re likely to qualify for lower interest rates on mortgages, auto loans, and personal loans. Lower interest rates save you money over time, making large purchases more affordable. Better Loan Approval Odds: A strong credit score boosts your chances of approval when applying for new credit, such as a car loan or mortgage, which makes major milestones more achievable. More Favorable Credit Card Offers: Many of the best credit cards, with valuable rewards programs that offer cash back on purchases and perks like travel insurance, require good to excellent credit. Reduced Insurance Premiums: Some insurance companies consider credit scores when determining premiums for car and home insurance. A good score means you could save money every month.   Learning to manage your money? Explore our library of helpful guides, financial tips, and more. Dive in 7 Ways to Improve Your Credit Score Improving your credit score isn’t a quick fix, but with consistency and smart financial practices, you can build a solid score over time. Here are seven strategies to help you improve your credit score: 1. Pay Your Bills on Time Payment history is one of the most important factors in your credit score. If lenders know you routinely make payments on time, they’ll be more willing to lend you money and give you a better deal. If you have a hard time remembering to pay your bills before they’re due, consider setting up automatic payments or calendar reminders to stay on track. 2. Reduce Your Credit Card Balance Aim to keep your credit utilization ratio — or the amount of credit you’re currently using compared to your total credit limit—below 30%. That means that if your total credit limit is $10,000, your balance should ideally be under $3,000 to avoid a negative impact to your credit score. Whenever possible remember to pay off your full credit card balance each month. Not only is it great for your credit, but it also helps prevent you from accruing additional charges like interest or late fees. 3. Only Apply For Credit When You Need It Each time you apply for new credit, like a credit card or a personal loan, a hard inquiry is recorded on your report. Although a single application isn’t hugely impactful, it can temporarily lower your score — and multiple applications add up. Applying for credit sparingly can help you maintain your score or avoid a negative impact. Only apply for credit you truly need to, and try to limit applications within a short time frame if you’re applying to multiple lenders for a loan. Typically, applications for credit made within a 14-day period are all treated as one, so you can safely reach out to a few prospective lenders without fear of damaging your score. 4. Increase Your Credit Limit (But Be Cautious) Asking your card servicer for a higher credit limit can reduce your credit utilization ratio, even if your spending habits don’t change. Dropping below the 30% threshold is a step in the right direction for improving your credit score — however, it’s important that the higher limit doesn’t tempt you to spend above your means. Remember that you should treat your credit card spending the same as you would treat cash in your wallet. While credit cards have the advantage of being flexible in an emergency, it’s easy to rack up debt if you aren’t careful. 5. Diversify Your Credit While it may seem fiscally responsible to have only a single credit card that you routinely pay down, lenders like to see a mix of credit types. Multiple credit cards, auto loans, and mortgages all factor into the mix. Some apartment complexes and utility providers also report on-time payments to credit bureaus. Having a diverse credit profile demonstrates your ability to manage different types of credit responsibly. Of course, you also shouldn’t take on debt simply to prove a point! Don’t open new accounts solely for the sake of credit diversity, as it’s only a small piece of your overall score. 6. Keep Your Old Accounts Open The length of your credit history plays a role in your score. Keeping older accounts open, even if you no longer use them regularly, helps increase the average age of your accounts. Closing old accounts can reduce your available credit — which increases your credit utilization ratio — and shorten your credit history. Depending on the type of account, it may also reduce the diversity of your credit mix. All of that comes together to potentially lower your credit score. 7. Regularly Check Your Credit Report It’s important to know what’s helping and hurting your credit score. By understanding what’s dragging your score down, you can come up with a plan to improve your credit over time — and by keeping an eye on your report, you’ll know if any fraudulent accounts or collections appear. If you do have a collection on your account, remember that you can always dispute it. By law, you can get a free copy of your credit report every 12 months from each of the three major credit bureaus through AnnualCreditReport.com. Put some time on your calendar each year (or more often!) to review your credit reports and come up with a plan. Need Help Building or Rebuilding Your Credit? Good credit can save you thousands of dollars over time. If you’re working to establish or rebuild your credit, a secured credit card can be an excellent tool to achieve your financial goals. That’s why we offer the First Bank Platinum Secured Credit Card, which is designed specifically for those with a lower credit score or no credit history. Accepted worldwide, equipped with fraud protection, and easy to manage through our online portal, this card gives you the flexibility and security you need to develop a strong credit profile. By consistently making on-time payments and keeping balances low, you can use this card to strengthen your credit and create new opportunities for yourself in the future. 6 min read
Get a Hassle-Free Checking Account with First Bank Figuring out where to get a hassle-free checking account doesn’t have to be hard. First Bank offers five different types of hassle-free checking accounts that don’t have monthly maintenance fees as long as minimum requirements are met. Types of Hassle-Free Checking Accounts at First Bank All of our personal checking accounts feature free online and mobile banking, free online bill pay, and free eStatements or paper statements. Everywhere Checking: Rewards benefits when you use your eligible First Bank credit card. How to Keep It Fee Free™ Maintain a $600 minimum balance, or Maintain an average collected balance of $1,200, or Receive a direct deposit of any amount during the monthly statement cycle Everywhere Plus: All the benefits of Everywhere Checking, plus the chance to earn interest at a minimal balance requirement. How to Keep It Fee Free™ Maintain a $1,200 minimum balance, or Maintain an average collected balance of $2,400 Everywhere Premium: All the benefits of Everywhere Plus, plus no First Bank transaction fees on out-of-network ATM withdrawals, rewards benefits with eligible credit cards, and free member checks. How to Keep It Fee Free™ Maintain a $5,000 minimum balance, or Maintain an average collected balance of $10,000, or Maintain $20,000 in personal deposits (Checking, Savings, Money Market, CD, IRA), or $20,000 in outstanding personal loan or HELOC balances Campus Checking: No monthly maintenance fees and no First Bank transaction fees on eight out-of-network ATM withdrawals per month. Earn cash back at hundreds of online retailers. Available to students ages 16-25. How to Keep It Fee Free™ Typically free for enrolled college or graduate students under the age of 25 Senior Checking: For seniors 55 and older. Rewards benefits when you use your eligible First Bank credit card. Free basic checks or 50% off other check designs. How to Keep It Fee Free™ Maintain a $600 minimum or $1,200 average balance, or Make a monthly direct deposit of $250 or more* Contact a First Bank Specialist Today Now that you know where to get a hassle-free checking account, Visit a First Bank branch to speak with one of our experts today and start saving. *Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee 3 min read
First Bank logo
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognizing you when you return to our website and helping our team to understand which sections of the website are the most popular and useful.