FirstBank is a Colorado based financial institution that services both business owners and individual consumer accounts. You do not have to have a bank account with FirstBank in order to get the FirstBank Visa CardMiles Rewards credit card, but it might help you to receive pre approved credit card status.
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Although the full extent of the powers of the Consumer Financial Protection Bureau are not yet known, this government agency helps to protect consumers from predatory credit card lending practices. This line of personal credit cards has an annual fee of $35; however, applicants should still familiarize themselves with all other interest rate and charges applied by FirstBank.
FirstBank Visa CardMiles Rewards Interest Rates
The set APR for the FirstBank Visa CardMiles Rewards credit card is 15.15%, but this is the interest applied to regular credit card purchases only. Cardholders may pay a different interest rate for balance transfers and or cash advances.
Account holders do not have minimum interest charge terms, so they will not pay any fees when they pay their credit card balances off completely. In addition to the APR applied to cash advance fees, FirstBank Visa CardMiles Rewards credit cardholders pay either $10 per charge or 4% of the total. Late fees in the amount of $25 per instance are charged to all delinquent FirstBank Visa CardMiles Rewards accounts.
FirstBank Visa CardMiles Rewards Benefits
Classified as rewards credit cards, the FirstBank Visa CardMiles Rewards card has a limited number of miles that can be used to redeem certain prizes. For example, only 30,000 CardMiles Rewards can be used at any one time when purchasing discounted plane tickets. More points can be used to get a no-cost airline reservation, but the total cost of the ticket cannot exceed $500.
Points are earned on the FirstBank Visa CardMiles Rewards line of personal credit cards at a 1:1 ratio, but the prizes redeemable also have a high-ticket price. It appears that only airline tickets can be redeemed with CardMiles Rewards points.
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