We have joined PNC.
Now that FirstBank has officially joined PNC, you have access to an even broader range of financial products and services. PNC offers a full lineup of credit card options to fit your needs, including cards with flexible rewards, cash back, and other benefits.
To explore available options or apply, please visit PNC's Credit Card page, call 1-888-762-2265, or visit your local PNC branch.
Effective March 1, 2026.
FirstBank no longer offers new Personal Credit Cards. Existing credit card accounts will not be impacted at this time.
FirstCash Rewards
Our FirstCash rewards program offers 1% cash back on all your purchases, with no limit to the cash back you can earn. Make any purchase, get 1% cash back – it's that simple.
FirstClass Rewards
Earn 1 point for every dollar spent. You can then use your points to receive discounts on airline tickets, hotel rooms or car rentals. No blackout dates or purchases restrictions.
To redeem your rewards, please log in to Online Banking and go to Card Management, or contact us at 303-237-5000 or at 1-800-964-3444.
Classic Credit Cards on the annual rewards schedule must earn a minimum of $10 in the year or the rewards will be forfeited.
Effective March 1, 2026.
FirstBank no longer offers new Personal Credit Cards. Existing credit card accounts will not be impacted at this time.
Introductory Annual Percentage Rate (APR) for Purchases:
0.00%
Annual Percentage Rate (APR) for Purchases:
18.65%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:
None
International Transaction Fee:
- FirstClass Rewards:
None
- FirstCash Rewards:
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
Introductory APR
The Annual Percentage Rate (APR) for the first 6 months that your account is open.
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.
This disclosure information is accurate as of February 1, 2026. You may contact our representatives at 303-237-5000, or at 1-800-964-3444, to obtain any changes in the information disclosed above.