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 

12.90%  

APR for Cash Advances 

12.90% 

None 
Penalty APR 
Minimum Interest Charge  None 

7.24% 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. 
7.24% to 18.00% 
based on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate. 
7.24% 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 

8.24% 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. 
8.24% to 18.00% 
based on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate. 
8.24% 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 

Penalty 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 

3.00% of transaction amount 
None 
None 

3.00% of transaction amount 
None 
None 

3.00% of transaction amount 
None 
None 

  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 April 1, 2020 and is subject to change.  To determine if any 
changes have occurred since this date call 844-709-8900.