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Summary of Credit TermsLimited Time Offer: |
Summary of Credit Terms |
Summary of Credit Terms |
Summary of Credit Terms |
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|---|---|---|---|---|
| Rewards Offers |
Earn 2% back on purchases everywhere, every time and redeem your rewards for cash back (as a statement credit, ACH into a checking or savings acocunt, or by check), gift cards, or merchandise.2 Rewards expire 3 years from when they are awarded.2 | Earn 1.5% back on purchases and redeem your rewards for cash back, gift cards, travel or merchandise.2 Rewards expire 5 years from when they are awarded.2 | Reward yourself on interest by saving money with a low intro rate on balance transfers. | Enjoy the rewards of established or improved credit. Plus, you may be able to get your deposit back automatically in as little as 11 months, when you maintain a good payment history with us, subject to credit approval. |
| Bonus Offers |
Earn 10,000 bonus points when you spend $5,000 within the first 6 billing cycles after the account is opened.4 | N/A | $25 statement credit when you make a purchase within the first 3 billing cycles after the account is opened.3 | Increase credit limit: You can qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments, subject to credit approval. |
| Credit Limit |
Variable based on your creditworthiness | Variable based on your creditworthiness | Variable based on your creditworthiness | Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval |
| Annual Fee1 |
$65 | $0 | $0 | $35 |
| Intro APR1 |
None | 0% INTRODUCTORY APR1 for the first 6 billing cycles after the account is opened on purchases and balance transfers. | 0% INTRODUCTORY APR1 for the first 15 billing cycles after the account is opened on balance transfers. | None |
| Standard APR1 |
18.24% to 28.24% APR1 on purchases and balance transfers based on your creditworthiness. APR will vary with the Prime Rate. | After that, a variable APR1 based on the Prime Rate between 18.24% and 28.24% APR depending on your creditworthiness. | After that, a variable APR1 based on the Prime Rate between 14.24% and 23.24% APR depending on your creditworthiness. | Variable 24.24% APR1 on purchases and balance transfers based on the Prime Rate. |
| Balance Transfer Fee |
A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10). | A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10). | An introductory balance transfer fee1 of 3% for the first 15 billing cycles after the account is opened applies to this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10). | A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10). |
| Foreign Transaction Fee |
3% of each transaction in U.S. dollars. | 3% of each transaction in U.S. dollars. | 3% of each transaction in U.S. dollars. | 3% of each transaction in U.S. dollars. |
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Limited Time Offer:
Apply by 7/1/2020
Summary of Credit Terms
Earn 2% back on purchases everywhere, every time and redeem your rewards for cash back (as a statement credit, ACH into a checking or saving account, or by check), gift cards, or merchandise.2 Rewards expire 5 years from when they are awarded.2
N/A
Variable based on your creditworthiness
$65
None
18.24% to 28.24% APR1 on purchases and balance transfers based on your creditworthiness. APR will vary with the Prime Rate.
A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10).
3% of each transaction in U.S. dollars.
Earn 1.5% back on purchases and redeem your rewards for cash back, gift cards, travel or merchandise.2 Rewards expire 5 years from when they are awarded.2
N/A
Variable based on your creditworthiness
$0
0% INTRODUCTORY APR1 for the first 6 billing cycles after the account is opened on purchases and balance transfers.
After that, a variable APR1 based on the Prime Rate between 18.24% to 28.24% APR depending on your creditworthiness.
A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10).
3% of each transaction in U.S. dollars.
Reward yourself on interest by saving money with a low intro rate on balance transfers.
$25 statement credit when you make a purchase within the first 3 billing cycles after the account is opened.3
Variable based on your creditworthiness
$0
0% INTRODUCTORY APR1 for the first 6 billing cycles after the account is opened on balance transfers.
After that, a variable APR1 based on the Prime Rate between 18.24% to 28.24% APR depending on your creditworthiness.
A balance transfer fee1 of 3% for the first 15 billing cycles after the account is opened applies to this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10).
3% of each transaction in U.S. dollars.
Enjoy the rewards of established or improved credit. Plus, you may be able to get your deposit bcack automatically in as little as 11 months, when you maintain a good payment history with us, subject to credit approval.
Increase credit limit: You can qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments, subject to credit approval.
Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval.
$35
None
Variable 24.24% APR1 on purchases and balance transfers based on the Prime Rate.
A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10).
3% of each transaction in U.S. dollars.
Important Information
Please see the Summary of Credit Terms link for each product listed above for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required.
You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.
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- For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms link for each product listed above.
- See the Rewards Terms and Conditions in the Summary of Credit Terms link for each rewards product listed above, for details, including earning, redemption, expiration, or forfeiture. Your % back rewards are earned as points.
- You will earn a $25 statement credit after the first purchase is posted to the Account within the first 3 billing cycles after the Account is opened. Please allow 6-8 weeks after you qualify for the statement credit to be applied to your credit card account.
- You will earn 10,000 bonus points after $5,000 in purchases is posted to the Account within the first 6 billing cycles after the Account is opened. Please allow 6-8 weeks after you qualify for the statement credit to be applied to your credit card account.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to license from Visa U.S.A. Inc. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
