FirstBank Cashback Visa: The Ultimate Credit Card for Savvy Spenders

The FirstBank Cashback Visa, issued by FirstBank, stands out as an excellent option for consumers looking to earn rewards on everyday purchases. This cashback credit card offers a compelling rewards program, robust benefits, and no annual fee, making it an attractive choice for a wide range of cardholders.

Annual Fee

One of the most appealing features of the FirstBank Cashback Visa is that it comes with no annual fee. This allows cardholders to fully enjoy the benefits and rewards without the burden of an upfront cost.

Rewards Program

The rewards structure of the FirstBank Cashback Visa is designed to maximize the value for cardholders. Earn 1.5% cashback on all purchases, with an enhanced rate of 3% cashback on eligible spending in select bonus categories, such as groceries, gas, and dining out. Cashback can be easily redeemed for statement credits, gift cards, or merchandise, allowing flexibility in how rewards are utilized.

Sign-Up Bonus

New cardholders can take advantage of a generous sign-up bonus. By spending $500 within the first three months of account opening, you can earn an additional $200 cash back. This offers a strong incentive for new users to maximize their spending right from the start.

APR (Annual Percentage Rate)

The regular APR for the FirstBank Cashback Visa is competitive, starting at 14.99%. There are no introductory APR offers available, but you will benefit from consistent and reasonable rates for purchases and balance transfers alike.

Foreign Transaction Fees

Travelers will appreciate that the FirstBank Cashback Visa does not impose any foreign transaction fees, making it a practical choice for international purchases and travel.

Balance Transfer Options

The card offers a balance transfer option with a 0% APR for the first 12 months, after which a standard APR applies. This feature is particularly beneficial for those looking to consolidate debt and manage their finances more effectively.

Additional Fees

While the FirstBank Cashback Visa has no annual fee, cardholders should be aware of other potential fees. A late payment fee may apply, generally up to $35, and the cash advance fee is typically either $10 or 3% of the cash advance amount, whichever is greater.

Card Benefits and Perks

Alongside a robust rewards program, the FirstBank Cashback Visa comes with a range of benefits and perks. Cardholders can enjoy travel insurance, mobile phone protection, and complimentary access to various discounts and offers through the cards affiliations.

Customer Protections and Insurance

Your purchases are safeguarded by purchase protection for new items against damage or theft, and you enjoy 0% fraud liability for unauthorized transactions. Additionally, the card provides rental car insurance when the whole rental is paid for with the card.

Eligibility and Credit Score Requirements

To be eligible for the FirstBank Cashback Visa, a credit score of at least 650 is typically recommended. This ensures that applicants have a solid credit history and increases their chances of receiving approval.

Introductory Offers

While there are no introductory APR offers on this card, the focus on cashback rewards and the absence of an annual fee positions the FirstBank Cashback Visa favorably compared to its competitors.

Special Features or Unique Selling Points

This credit card distinguishes itself with its cashback program that integrates easily with user preferences and spending habits. The flexibility in redemption options allows cardholders to utilize their rewards in a manner that best fits their lifestyle.

How to Apply

Applying for the FirstBank Cashback Visa is a straightforward process. Interested applicants can apply online or visit their nearest FirstBank branch. To begin your application, visit the ‘>Apply Here today!