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First Bank® Cash Rewards Visa® Platinum CardQuick Summary: This is a Visa cash back rewards card issued by Elan Financial Services . This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 7.99% and may be as high as 20.99%, depending on your credit worthiness*.APR's: There is an introductory APR as low as 0.00% for 6 months. This intro rate only applies towards purchases. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 3.99% to the U.S. prime rate. Rewards: This card is a cash back card, where you can expect cash rewards for your purchases. Credit Record Needed: Based on the FICO score recommendation, applicants should have a great credit record. A FICO score of at least 738 is recommended for a higher chance of approval for the First Bank® Cash Rewards Visa® Platinum Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics: The grace period listed for the First Bank® Cash Rewards Visa® Platinum Card is at least 20 days. So interest charges will not be applied during those days. This card is intended for consumers, or "personal use". This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment. Approval Rate: There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Good Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 738, then your chance of approval may be greater than other applicants. Approval Time: Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved. Offer Details: Earn Cash on Everyday Purchases* - With the Cash Rewards Visa® Platinum Card, you can earn a cash rebate - up to 1% - on purchases made with your credit card. It's the perfect credit card to use for daily purchases such as buying groceries, gasoline, clothing, or whatever! Earn up to $350 a year.
- Cash Rewards - With the Cash Rewards Visa® Platinum Card you earn a cash reward on your purchases. Earn up to a 1% cash reward on purchases you already make like groceries, gasoline, clothing, dining.
- No Annual Fee - With the Cash Rewards Visa® Platinum Card there is no annual fee if you use the card at least once a year.
- Hassle Free Redemption - With the Cash Rewards Visa® Platinum Card there are no points to track or redemption levels to reach. Simply use your card and watch your cash reward grow. You don't even need to request a check, we will send your cash reward check once a year after your account anniversary date. What could be easier!
Rewards
and Benefits:Outstanding benefits for Cash Rewards Visa® Platinum Card Cardholders
- Up to $500,000 travel accident insurance for you and your family when you purchase tickets with your Card.
- Higher credit limit.
- Extended Warranty Coverage. Double the manufacturer's warranty (up to one year).*
- Free Collision/Damage Insurance.2 You're fully covered when you use your Card to rent a car. Save up to $20 per day.
- Travel Assistance. To replace lost tickets, obtain medical and legal referrals.
Other Remarks:
This card is issued by Elan Financial Services and associated with First Bank. Annual fee: $0.00 the first year and every year that you charge at least one purchase to the account. Otherwise: $40.00
*Please view and verify the card offer's terms and
conditions regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Consumer Card Rate Comparison
| APR | 7.99% | | Avg. APR** | 11.98% | | Annual Fee | $40 | | Avg. Annual Fee** | $8.14 | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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