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, 2019 

After that, your APR will be 
12.90%  

APR for Cash Advances 

12.90% 

None 
Penalty APR 
Minimum Interest Charge  None 

9.49% 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, 2019 

After that, your APR will be 
9.49% to 18.00% 
based on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate. 

9.49% 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 

10.49% 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, 2019 

After that, your APR will be 
10.49% to 
18.00% based on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate. 
10.49% 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 

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 

•  Balance Transfer 
•  Cash Advance 
•  Foreign 

Transaction 

3.00% of transaction amount 
None 
Up to 1% of transaction 
amount 

3.00% of transaction amount 
None 
Up to 1% of transaction 
amount 

3.00% of transaction amount 
None 
Up to 1% of transaction 
amount 

Penalty Fees 

•  Late Payment 
•  Returned 
Payment  
•  Over-the-Credit 

Limit 

Up to $35 
Up to $35 

None 

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.) 

The information on this disclosure is current as of January 1, 2019 and is subject to change.  To determine if 
any changes have occurred since this date call 844-709-8900.