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Platinum Low Rate Credit Card

credit or debit card

First Bank offers the perfect low-rate card.

The First Bank Platinum Credit Card is just the right card for those who want to keep it simple. Use it for your everyday and monthly purchases, all at a great rate.

Benefits

The benefits of a Platinum Credit Card

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Guide to Benefits

EZcardview benefits

EZcardview makes it easier and more convenient than ever to manage your credit card account:
  • Enjoy the convenience of 24-hour access
  • Manage your credit card account online
  • Download credit card statements
  • Pay your bill online
  • Online customer service

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Security Benefits

Zero liability

Pay only for purchases which you have authorized on your MasterCard®. Unauthorized purchases are not your responsibility.

MasterCard SecureCode

Protect yourself from fraudulent use of your card information online when you register your card with MasterCard SecureCode.

ID theft resolution

This feature assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of identity theft.

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Convenience Benefits

Mobile Wallet

A quick and easy way to use your First Bank debit or credit card on the go with most smartphones. Learn how.

26-day grace period

You have 26 days when you're not charged interest for purchases you've made, so long as you pay your balance in full on time.

MasterCard Automatic Billing Updater

Automatic billing updater is a convenient way to ensure your recurring payments continue when a new card is issued. This currently works with many national retailers, and we are continuing to expand it to more businesses.

MasterCard Global Service®

Wherever you travel worldwide, you can always count on MasterCard Global Service® for any card-related need. With 24-hour, 365 days a year service, Global Service can connect you with a representative who speaks your language, and can help with:
  • Lost or stolen cards
  • Emergency replacement cards
  • Emergency cash advances
  • Access account-related information
  • Access any applicable card benefits

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Shopping Benefits

Price protection

Should you find a lower price for a new item using your eligible MasterCard®, you may be reimbursed for the price difference. Call MasterCard® at 1-800-622-7747 for more information about available coverage.

Extended warranty

Most manufacturer's warranties are doubled up to one year when you pay with your eligible MasterCard®.

©2017 MasterCard. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated.
Details

Interest Rates

APR For purchases

0% introductory APR for the first 6 months for new cardholders.After 6 months, a variable 10.65 - 20.65% APR will apply.
Fees

Annual fee

$0
See our Disclosure Summary for complete details on rates and fees.
Balance Transfer
Balance transfer capabilities are now available for all First Bank credit cards with no fee.*You can:
  • Consolidate all your debt onto one card, with one easy payment
  • Save money when you transfer the funds from your old card to your First Bank MasterCard
  • Avoid the fee other credit card companies charge for each balance transfer
Calculate your savings with the Balance Transfer Calculator.
*0% Introductory APR is only available to customers who become new card holders after September 15, 2014. Credit applications are subject to credit approval.
Loans subject to credit approval.