FirstBank Business Credit Cards

Earn higher rewards with the more you spend.

1.00%

Cash Back Rewards

Annual Spending

from $0.00 and up

1.25%

Cash Back Rewards

Annual Spending

from $40,000 and up

1.50%

Cash Back Rewards

Annual Spending

from $1,000,000 and up

1.75%

Cash Back Rewards

Annual Spending

from $5,000,000 and up

Cash Back Rewards based on total purchases applied to your FirstBank Business Visa Credit Card during the account year. Cash Back Rewards purchase amounts reset each year on the anniversary month. Cash Back Rewards do not carry over year after year.


Annual Percentage Rate (APR) for Purchases:

16.65%

Annual Percentage Rate (APR) for Balance Transfer:

19.65%

Annual Percentage Rate (APR) for Cash Advances:

19.65%

Introductory Annual Percentage Rate (APR) for Purchases:

0.00%

Annual Percentage Rate (APR) for Purchases:

16.65%

Introductory Annual Percentage Rate (APR) for Balance Transfer:

0.00%

Annual Percentage Rate (APR) for Balance Transfer:

19.65%

Annual Percentage Rate (APR) for Cash Advances:

19.65%

Annual Fee:

  • FirstCash Rewards:

$0

International Transaction Fee:

2%

Balance Transfer:

2.5%

($2 minimum)

Cash Advance:

2.5%

($2 minimum)

Late Payment:

Up to $25

This disclosure information is accurate as of July 2, 2018. You may contact our representatives at 303-237-5000, or at 1-800-964-3444, to obtain any changes in the information disclosed above.

Introductory APR

The Annual Percentage Rate (APR) for the first 6 months that your account is open. A lower APR rate ("Introductory Rate") may apply to your account or to certain transactions in your account for a specified period of time ("Introductory Period") in connection with special promotions that we may offer. The Introductory Period will end earlier if you do not pay the minimum payment due for any billing period within 60 days of the payment due date. After the Introductory Period, interest will be imposed against any outstanding balance at the end of your billing cycle at the applicable APR rate that has been disclosed to you. Accounts with a credit limit exceeding $25,000.00 are not eligible for the Introductory Rate.

Paying Interest

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. We will begin charging interest on cash advances and convenience checks on the transaction date.

Minimum Interest Charge

There is no minimum interest charge.

How We Will Calculate Your Balance

We use a method called "average daily balance," including new purchases. To compute the average daily balance, each day's balance for the billing cycle is summed then divided by the number of days in the cycle.

Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

To apply for a FirstBank Credit Card visit any FirstBank location.

Merchant Card Services.

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Customized Spending

Issue cards to employees with the peace of mind knowing that you can limit the transactions allowed on their cards.

  • Have a fleet of vehicles? Limit transactions to gas or fuel service stations.
  • Have employees that travel? Limit transactions to airlines, auto rentals, hotels, and transportation.
  • Block transactions from Foreign Merchants.
  • Block Cash Advances and ATM withdrawals.
  • Block Gambling transactions.

Account Options

Have the freedom to decide how you want to manage your credit card by choosing between the Standard or Payment Refresh options.

Standard Account

  • Your payment will only disburse at the end of the statement cycle and all balances on the sub-cards reset to 0.
  • Gives you more control over your spending.

Payment Refresh Account

  • Make payments at any time and for any amount and all balances on the sub-cards reset to 0.
  • Gives you access to the full sub-cards' funds after any payment.
  • Too many employees? There's no limit on the number of cardholders allowed.
  • You can set different limits for each sub-card.
  • Keep an eye out by receiving control statements that show all sub-cards activity.
  • Make just one payment to the control account and we will distribute it among all the individual sub-cards.

360Control

We want to make your life easier. Manage and view all of your business credit cards through one convenient online portal.

  • Schedule one time or recurring payments in advance.
  • Change and adjust sub-cards' limits at any time.
  • Add or reopen cards.
  • View and download transactional history.
  • Limit access by closing or suspending cards.
  • View and print your statements.
  • Dispute fraudulent transactions.
  • Assign Cost Allocation Codes to transactions.
  • Upload images of receipts.
  • Manage access for cardholders and users.
  • Access on-the-go from your mobile device.

Please contact a Treasury Management representative at 855-426-1500 to enroll.

FirstCash Reward Program

Make money by spending money with 1% cash back on all purchases made to your FirstBank Business Rewards Visa with FirstCash. Watch your cash back reward grow with no limit on the amount you can earn! Rewards are redeemed automatically once a year on the card's anniversary date. No annual fees and automatic enrollment. Certain restrictions apply.

Using the FirstBank Business Credit Card instead of a personal check or your personal credit card makes it easy to organize your expenses. You can determine if it is a business expense at the time of purchase, not at the end of the month when you reconcile your bank statements. It may even make tax return preparation easier.

We offer management reports which provide a complete, easy to understand analysis of business expenses. Reports include: cardholder detail reports, cardholder summary reports, company summary reports, and more. Examples of management reports are available upon request.

Disclosures

  • APR will vary with the market based on the Wall Street Journal Prime Rate.