Questions? 800-964-3444,

FirstBank Personal Credit Cards

hide this Basics

What is it?

Earn some pretty amazing rewards (think flights, hotels, car rentals or cash, not toasters) with a Visa credit card from FirstBank.

What do I get?

  • Free Internet Banking with eStatements
  • Free Mobile Banking*
  • Free Alerts*
  • 24/7 Live Call Center

To Apply for a FirstBank Credit Card call us at 800-964-3444 or visit any FirstBank location.   


hide this Details

Choose the best rewards program for you. And with travel expenses and cash as options, it's sort of hard to go wrong.

  • FirstClass Reward Program

  • Because spending money can be hard work, you may need a vacation to recover. With your FirstClass Rewards card, your rewards can be applied to any travel expense with any company (baggage fees, ticket upgrades, hotel stays and more). For every $10,000 you spend on your card, you can earn points to receive up to $100 off any travel expense. Redemption of points can occur in increments of 1,000. For example, you can combine up to 31,000 points and receive up to $310 off the purchase of an airline ticket, hotel room, or car rental. You can use 40,000 points to receive up to $500 worth of any travel expenses. Use your FirstBank credit card to book your travel arrangements however you like (Internet, phone or travel agent) and fly any airline, anytime, with no blackout dates. There is no cap on the number of points you can earn. No specific restrictions apply and no enrollment forms are necessary. Please ask for complete program details.

  • FirstCash Reward Program

  • Make money by spending money with 2% cash back on all purchases made to your FirstBank Rewards Visa with FirstCash for the first three months, 1% cash back after the first three months. Watch your cash back reward grow with no limit on the amount you can earn! Designate an account for your rewards to be deposited (back to your credit card or deposited into your FirstBank checking or savings account) and choose when you want to redeem (monthly, quarterly, annually, etc.). No annual fees and automatic enrollment. Certain restrictions apply.


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


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


APR for Cash Advances


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


For Credit Card Tips from the 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 ».



Annual Fee

  • FirstClass Rewards
  • FirstCash




Transaction Fees

  • Cash Advance
  • Foreign Transaction

4% or minimum of $10, no maximum.

FirstClass Rewards: None

FirstCash: 2% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency.


Penalty Fees

  • Late Payment

Up to $25.00


How We Will Calculate Your Balance

We use a method called "average daily balance (including new purchases)."


This disclosure information is accurate as of January 2, 2014. You may contact our representatives at (303) 237-5000, or at 1-800-964-3444, to obtain any changes in the information disclosed above.


Verified by Visa

Verified by Visa is a free service that can protect your FirstBank Visa credit card from unauthorized use during online purchases at participating merchants.

Registering for the service is quick, easy and FREE! No special software is required. You can register before you make your online purchase or during your purchase directly from the merchant's website, whichever is more convenient.

How Verified by Visa Works

  • Register for Verified by Visa.
  • Use your FirstBank Visa credit card at participating online merchants.
  • You will be asked to enter your secret Verified by Visa password.
  • After your password is submitted, your online transaction will be processed as normal.

Register Now


If you already have a Verified by Visa password and would like to update your information, please select the link below.

Update Information »

Read Credit Card Agreement »


hide this Find a Location

Give us a call at 800-964-3444 to apply for a FirstBank Credit Card or visit any FirstBank location.

Find a Location

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  • *While there is no fee from FirstBank, connectivity and usage rates may apply. Contact your wireless service provider for more details.
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