The First Interstate Bank is headquartered in Billings, Montana and has 71 branches throughout Montana, South Dakota, and Wyoming. First Interstate offers several credit cards including a Visa secured credit card and a MasterCard business credit card.
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First Interstate Bank Visa Platinum Credit Card Terms
There is a special introductory interest rate period for this credit card for the first year the card is active. This special credit card annual percentage rate is 3.99%. After the first year, the cardholder will pay 7.25, 11.25, or 13.25% depending on the personal credit score.
Having such a low introductory interest rate for purchases and balance transfers for such a long time makes this a great credit card choice for someone that wants to transfer a balance from another card. If the cardholder has a high balance on another credit card with a high interest rate, they can transfer that balance to this card and pay a much lower interest rate for that first year. The cardholder will save a lot of money by having a much lower interest rate and should try to pay off the entire balance before the introductory period has expired.
The cardholder can expect to pay a higher rate of 24.25% for cash advances. A cardholder will most likely be charged for cash advances if they use credit card checks. The cardholder should also know that this card has a penalty annual percentage rate of 29.24%. If they make a payment late, their interest will increase to this amount until they can make six payments on time.
First Interstate Bank Visa Platinum Credit Card Fees
This credit card has no annual fee. There is no fee for going over the credit limit but, if a payment is late, the cardholder will be charged $10 and is a payment is returned they will be charged $30.
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