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First Bank® Visa® Signature CardQuick Summary:
This Visa rewards card is issued by Elan Financial Services and offers unique rewards not listed in our current rewards categories. This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 8.99% and may be as high as 21.99%, 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 is a rewards card that offers unique rewards. Due to this card's diversity, the rewards are not categorized specifically in Finance Globe's rewards sections. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO score of at least 783 is recommended for a higher chance of approval for the First Bank® Visa® Signature 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® Visa® Signature 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 "Excellent Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 783, 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: You know you've arrived when you've reached a no pre-set spending limit credit card*. The Visa® Signature Card lets you travel, explore and spend exactly the way you want. For every dollar you spend, earn one point to redeem on travel, merchandise, gift certificates and more. Apply now or learn more about this valuable card.
Rewards
and Benefits:Visa® Signature Card Benefits
- No Pre-set Spending Limit* - For added flexibility and convenience.
- Concierge Service - Get help with dining reservations, gift arrangements, event tickets, business services and much more, 24/7/365!
- No Point Earning Cap - The account points that may accumulate in any monthly billing cycle are unlimited.
- Dining Privileges - Make dining arrangements online worldwide. You may enjoy a variety of discounts and special offers.
- Signature Travel - Visa Signature provides two levels of travel options: Standard Travel for booking flights with a traditional 3-week advance purchase and Saturday night stay. For additional points, Signature Travel lets you book flights with a mere 7-day advance and no Saturday night stay required. All travel options let you choose the airline and have no black out dates or seat restrictions.
- Travel accident insurance* - Yours automatically -- $1,000,000 of coverage at no extra cost -- when you purchase tickets for travel on common carriers with your Visa® Signature Card.
- Auto rental insurance* - Yours automatically -- at no extra cost -- when you charge your entire car rental on your Visa® Signature Card and decline the rental company's collision damage waiver option. 24-hour coverage for damage due to collision or theft.
- Visa Zero Liability* - You are not liable for unauthorized purchases on your Visa® Signature Card.
Other Remarks:
This card is issued by Elan Financial Services and associated with First Bank.
*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 | 8.99% | | Avg. APR** | 12.34% | | Annual Fee | $55 | | Avg. Annual Fee** | $7.06 | |
** 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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