Discover the FirstBank Visa Platinum Cash Rewards Credit Card

The FirstBank Visa Platinum Cash Rewards card is designed for savvy consumers looking to maximize their spending through an exceptional rewards program while enjoying a range of exclusive benefits. Issued by FirstBank, this card stands out in the competitive landscape of credit cards with its robust features and customer-centric offerings.

Card Type

The FirstBank Visa Platinum Cash Rewards is a cashback credit card that allows cardholders to earn rewards on their purchases. Perfect for both everyday spending and larger purchases, this card is ideal for those who prefer cash rewards over other forms of points or mileage accruals.

Annual Fee

One of the most attractive aspects of the FirstBank Visa Platinum Cash Rewards card is its no annual fee structure, making it a cost-effective option for users who want to enjoy cashback rewards without the burden of yearly costs.

Rewards Program

The rewards program offers a competitive cashback structure, enabling cardholders to earn up to 3% cashback on eligible categories such as dining and groceries. Additionally, cardholders earn 1% cashback on all other purchases. Cashback can be redeemed easily, and it’s credited to the cardholder’s account statement, providing a seamless experience.

Sign-Up Bonus

New applicants can take advantage of a generous welcome bonus by earning $200 after spending $1,000 in the first three months from account opening. This attractive offer enhances the card’s value, allowing users to kickstart their rewards earnings immediately.

APR (Annual Percentage Rate)

The regular APR for the FirstBank Visa Platinum Cash Rewards card is 15.99%, which is competitive within the industry. Additionally, there is a 0% introductory APR for the first 12 months on purchases and balance transfers, making it an excellent choice for those looking to save on interest during the first year.

Foreign Transaction Fees

For those who travel internationally, the FirstBank Visa Platinum Cash Rewards card comes with no foreign transaction fees. This feature encourages cardholders to use their card abroad without worrying about additional costs, making it perfect for travelers.

Balance Transfer Options

This card offers an attractive balance transfer option, allowing transfers with a 0% APR for the first 12 months. This can provide significant savings for individuals looking to consolidate debt from higher-interest credit cards. However, a balance transfer fee may apply, typically around 3% of the transferred amount.

Additional Fees

While the card features minimal fees, users should be aware of late payment fees, which could reach up to $40, and cash advance fees of either $10 or 3% of the transaction amount, whichever is greater.

Card Benefits and Perks

Aside from cashback rewards, the FirstBank Visa Platinum Cash Rewards card offers several benefits, including travel insurance, access to exclusive concierge services, and protection against travel-related inconveniences. Additionally, cardholders can enjoy benefits such as extended warranty protection on eligible purchases.

Customer Protections and Insurance

Cardholders are provided with solid customer protections, including fraud liability which ensures users are not held responsible for unauthorized charges, purchase protection covering damage or theft of newly purchased items, and rental car insurance for added peace of mind during travels.

Eligibility and Credit Score Requirements

To qualify for the FirstBank Visa Platinum Cash Rewards card, applicants should ideally have a credit score in the good to excellent range (typically 700 or above). Factors considered in the approval process include credit history, income, and debt-to-income ratio.

Introductory Offers

In addition to the promotional 0% APR on purchases and balance transfers mentioned earlier, new cardholders can also enjoy a reduced APR on future purchases if they maintain timely payment during the introductory period, making it an attractive feature for responsible users.

Special Features or Unique Selling Points

Distinctively, the FirstBank Visa Platinum Cash Rewards card offers access to exclusive consumer promotions and discounts on various products and experiences, enhancing the overall value proposition of card ownership.

How to Apply

Applying for the FirstBank Visa Platinum Cash Rewards card is a straightforward process. Interested individuals can apply online by visiting the ‘>Apply Here and start enjoying the benefits today!

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