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Credit Cards

 

We invite you to apply for one of the most competitive credit cards on the market today.  We are offering two new credit cards designed with NO ANNUAL FEE and benefits to meet your needs.

Both cards offer 25-day interest free grace periods on all purchases (except cash advances) along with 24/7 customer assistance and online account information.  Your card will be accepted worldwide at businesses, financial institutions and ATMs.

Why pay 18%, 22% or even more on credit card purchases?  It just makes good financial sense to pay the lowest rate possible on credit card balances – not just an introductory rate, but for as long as you have your card.  The savings are significant, and you sacrifice none of the benefits.  You can even transfer your other high cost credit card balances to the First Bank card to start saving immediately.

Click the link below to fill out an application.  Then send it back to us via mail, or you can drop it off at any of our bank locations.  We’re pleased to make these new credit card products available to our customers and welcome your application.  Should you have questions, please contact us at 580-336-5562.

Consumer Credit Card Application

Business Credit Card Application

Preferred Points Brochure

 

Consumer Credit Card Products

Low Rate Card World Card and Preferred Points Card

MasterCard 

MasterCard 

Intro Rate of 2.9% for the first 6 months. Intro Rate of 2.9% for the first 6 months.
Ongoing APR of Prime + 6.99% for purchases and cash advances. Ongoing APR of Prime + 11.99% for purchases and cash advances.
No Annual Fee No Annual Fee
25 day Grace Period on all purchases.  No grace period for cash advances or cash equivalent transactions. 25 day Grace Period on all purchases.  No grace period for cash advances or cash equivalent transactions.
Extraordinary MasterCard Benefits include concierge service, price protection, car rental collision damage waiver, extended warranty, purchase assurance, travel accident insurance, travel assistance, roadside assistance, and baggage delay insurance. Earn one point for each dollar spent up to 10,000 points per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards. Extraordinary MasterCard Benefits include concierge service, price protection, car rental collision damage waiver, extended warranty, purchase assurance, travel accident insurance, travel assistance, roadside assistance, and baggage delay insurance.
Online account access and management available at www.cardaccount.net. 24-hour toll-free live customer assistance available at 800-367-7576.            Online account access and management available at www.cardaccount.net24-hour toll-free live customer assistance available at 800-367-7576. To view or redeem rewards points visit www.mypreferredpoints.com or call 866-678-5191.

  

Business Credit Card Products

Standard Card Preferred Points Card
MasterCard MasterCard
APR of Prime + 10.99% APR of Prime + 10.99%
No Annual Fee $49 Annual Fee per Account
25 day Grace Period on all purchases.  No grace period for cash advances. 25 day Grace Period on all purchases.  No grace period for cash advances.
Extraordinary MasterCard Benefits include car rental collision damage waiver, extended warranty, purchase protection, travel accident insurance, travel assistance, roadside assistance, and baggage delay insurance. Earn one point for each dollar spent up to 10,000 points per month.  Points can be redeemed for cash back, travel, merchandise, and retail gift cards.  Extraordinary MasterCard Benefits include car rental collision damage waiver, extended warranty, purchase protection, travel accident insurance, travel assistance, roadside assistance, and baggage delay insurance.
Online account access and management available at www.cardaccount.net.  24-hour toll-free live customer assistance available at 800-367-7576.                                             Online account access and management available at www.cardaccount.net.  24-hour toll-free live customer assistance available at 800-367-7576. To view or redeem rewards points visit www.mypreferredpoints.com or call 866-678-5191.

 

The APR will vary based on changes in the Index, the Price Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal.  The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System.  Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index.  Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account.  As of September 25, 2014, the Index was 3.25%.  The Account will never have an APR over 21%.

 

Fees for All Card Products

Late Fee: $25   NSF Fee: $25   Agent Assisted Pay-by-Phone: $10

Cash Advance Fee: 3% of the Cash Advance Amount, subject to a minimum fee of $10.

International Transaction Fee: 2% of the U.S. dollar amount of the transaction converted from the foreign currency.

 

Card Program Contact Information

Cardholder Customer Service    800-367-7576

Application Processing Fax        972-650-7054

 

*See application for all information on rates and terms. The information may change.  All cards are subject to credit approval.