Whether you are just starting out and need a low-cost credit card, or you're looking for a credit card that supports your entire family, count on us to give you one that is perfect for your needs.
No Annual Fee — ever.
The First Central SECURED card is a great way to build your credit, while the REWARDS card is designed for those who typically pay off monthly balances and swipe often, knowing each purchase earns points toward extra awards. The First Central PREMIUM credit card is just right for those who carry over monthly balances and are looking for the best rate.
Why Pay More?
Introductory Rate of 3.9% APR* for first 6 Months
No Balance Transfer Fee saves you money when you transfer balances to a First Central VISA card!
Perhaps you find yourself paying just the minimum monthly payment on a larger than you'd like credit card balance with a high interest rate. It can happen before you know it. Take action now by transferring your balance to a First Central VISA credit card.
*APR = Annual Percentage Rate.
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RATES & ACCOUNT TERMS
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Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Premium | Rewards | Secured | ||
|---|---|---|---|---|
| 3.90% Balance Transfer for first 12 months ... always find a 3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||||
| 7.74% - 17.24% | 9.74% - 18.00% | 12.24% | ||
APR for Balance Transfers
| Premium | Rewards | Secured | ||
|---|---|---|---|---|
| 3.90% Balance Transfer for first 12 months ... always find a 3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||||
| 9.74% - 18.00% | 11.74% - 18.00% | 14.24% | ||
APR for Cash Advances
| Premium | Rewards | Secured | ||
|---|---|---|---|---|
| 3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||||
| 9.74% - 18.00% | 11.74% - 18.00% | 14.24% | ||
Fees
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | No minimum Interest Charge. |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board. |
| Transaction Fees | |
|---|---|
| Foreign Transaction Fee | Up to 1% of each transaction in U.S. dollars |
| Penalty Fees | |
| Late Payment Fee | $25 |
| Returned Payment Fee | $25 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." Rates effective 4/1/2020
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