The more you spend, the higher the reward.
1.00%
Cash Back Rewards
Annual Spending
from $0.00 and up
1.25%
Cash Back Rewards
Annual Spending
from $40,000 and up
1.50%
Cash Back Rewards
Annual Spending
from $1,000,000 and up
1.75%
Cash Back Rewards
Annual Spending
from $5,000,000 and up
Cash Back Rewards are based on the total purchases applied to your FirstBank Business Visa Credit Card during the account year. Cash Back Rewards amounts are redeemed and reset automatically once a year on the card's anniversary date. You must earn a minimum of $10, or the rewards will be forfeited. The rewards do not carry over year after year. No annual fees and automatic enrollment.
Introductory Annual Percentage Rate (APR) for Purchases:
0.00%
Annual Percentage Rate (APR) for Purchases:
19.40%1
Introductory Annual Percentage Rate (APR) for Balance Transfer:
0.00%
Annual Percentage Rate (APR) for Balance Transfer:
21.00%1
Annual Percentage Rate (APR) for Cash Advances:
21.00%1
Penalty APR and when it applies:
None
Annual Fee:
- FirstCash Rewards:
$0
International Transaction Fee:
3%
Balance Transfer:
$2 or 2.5%
of the amount of each transfer, whichever is greater.
Cash Advance:
$2 or 2.5%
of the amount of each cash advance, whichever is greater.
Late Payment:
Up to $35
This disclosure information is accurate as of February 2, 2025. You may contact our representatives at 303-237-5000, or at 1-800-964-3444, to obtain any changes in the information disclosed above.
Introductory APR
The Annual Percentage Rate (APR) for the first 6 months that your account is open. A lower APR rate ("Introductory Rate") will apply to your account or to certain transactions in your account for a specified period of time ("Introductory Period") in connection with special promotions that we may offer. The Introductory Period will end earlier if your account is closed. After the Introductory Period, interest will be imposed against any outstanding balance at the end of your billing cycle at the applicable APR rate that has been disclosed to you. Accounts with a credit limit exceeding $25,000.00 are not eligible for the Introductory Rate.
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 any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and convenience checks on the transaction date.
Minimum Interest Charge
None
How We Will Calculate Your Balance
We use a method called "average daily balance," including new purchases. To compute the average daily balance, each day's balance for the billing cycle is summed then divided by the number of days in the cycle.
Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
To apply for a Business Credit Card visit any FirstBank location.
Tap to pay for fast, easy and secure checkout with a FirstBank Business Visa Credit Card.
Here's all you need to know to confidently tap to pay:
Look
Find the Contactless Symbol at checkout.
Tap
Simply tap your card on the checkout terminal.
Go
Your payment is processed in seconds.
Business Credit Card Account Options
Have the freedom to decide how you want to manage your credit card by choosing between the Standard or Payment Refresh options. There's no limit on the number of cardholders allowed, you can set different limits for each cardholder and receive statements that show each sub-card's activity. Plus you just have to make one payment to the main card and we will distribute it among all the individual sub-cards.
Standard Account
- Your payment will only disburse at the end of the statement cycle and all balances on the sub-cards then resets to $0.
- Gives you more control over your spending.
Payment Refresh Account
- Make payments at any time and for any amount and all balances on the sub-cards then resets to $0.
- Gives your employees access to the full sub-cards' credit limit after any payment.
360Control
We want to make your life easier. Manage and view all of your business credit cards through one convenient online portal.
- Schedule one-time or recurring payments in advance.
- Change and adjust the limit on sub-cards at any time.
- Add or reopen cards as necessary.
- View and download transaction history.
- Limit access by closing or temporarily suspending cards.
- View and print your statements.
- Dispute fraudulent transactions.
- Assign Cost Allocation Codes to transactions.
- Upload images of receipts.
- Manage access for cardholders.
- Access the portal on-the-go from your mobile device.
Please contact a Treasury Management representative at 877-249-9980 to enroll.
Customized Spending
Issue cards to your employees with the peace of mind that comes from knowing that you can limit the types of transactions allowed on their cards.
- Have a fleet of vehicles and drivers? Limit transactions to gas or fuel service stations.
- Have employees that travel? Limit transactions to airlines, hotels, auto rentals, and other transportation.
- Block foreign transactions.
- Block cash advances and ATM withdrawals.
- Block gambling transactions.
Disclosures
- APR will vary with the market based on the Wall Street Journal Prime Rate.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. © 2023 Visa Inc. All Rights Reserved.