FirstCard Visa® Platinum 

Visa® Platinum 

NOW REWARDS 
Mastercard® 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

12.90% 

APR for Balance 
Transfers 

0.00% introductory APR
until April 1, 2020 

After that, your APR will be 
12.90% 

APR for Cash Advances 

12.90% 

Penalty APR 
None 
Minimum Interest Charge  None 

8.74% to 18.00%
when you open your 
account, based on your 
creditworthiness. 
After this, your APR will vary 
with the market based on the 
Prime Rate. 
0.00% introductory APR
until April 1, 2020 

9.74% to 18.00%
when you open your 
account, based on your 
creditworthiness. 
After this, your APR will vary 
with the market based on the 
Prime Rate. 
0.00% introductory APR
until April 1, 2020 

After that, your APR will be
8.74% to 18.00%
based on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate. 
8.74% to 18.00% when you 
open your account, based 
on your creditworthiness. 
After this, your APR will vary 
with the market based on the 
Prime Rate. 
None 
None 

After that, your APR will be
9.74% to 18.00%
based on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate. 
9.74% to 18.00% when you 
open your account, based 
on your creditworthiness. 
After this, your APR will vary 
with the market based on the 
Prime Rate. 
None 
None 

How to Avoid Paying 
Interest on Purchases 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 
Fees 

Annual Fee 
Transactions Fees 

Balance Transfer

•
• Cash Advance
•

Foreign
Transaction

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

None 

None 

None 

3.00% of transaction amount 
None 
None 

3.00% of transaction amount 
None 
None 

3.00% of transaction amount 
None 
None 

Penalty Fees 

Late Payment

•
• Returned
Payment

Up to $35 
Up to $35 

• Over-the-Credit

None 

Limit 

Up to $35 
Up to $35 

None 

Up to $35 
Up to $35 

None 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases.) 

Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the 
U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total 
amount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin 
to the U.S. Prime Rate published in the Wall Street Journal on the first day of the previous month. Your Margin is a percentage amount 
that we determine based on an evaluation of your credit history. Your Margin will range from 3.99% to 15.24% based on product type.

The information on this disclosure is current as of January 1, 2020 and is subject to change.  To determine if any changes have 
occurred since this date call 844-709-8900.