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March 2009 Credit Card Survey

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Please select the letter to link to the alphabetical listing of credit card issuers:
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F

First Command Bank Platinum Visa

PO Box 901041 Fort Worth, TX 76101-2041

  • Card issued by : First Command Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Interest
  • Margin Index : Prime + 1.00%
  • Purchase APR : 04.25%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $5,000.00
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : None depending on balance
  • Late Payment Fee : None depending on balance
  • Penalty/Default APR : None
  • Penalty/Default Trigger : No default APR. If Cardholder defaults in any payment required to be made on the acct or otherwise violates any provision of the Agreement, or dies or seeks to obtain any relief as a debtor in any proceeding under any bankruptcy, insolvency, or debtor relief law, or provides Bank with false or misleading info or signatures at any time, or fails to make any payment or perform any promise in any other agreement or obligation that Cardholder owes Bank, then Bank will be in default under the Agreement. Bank, upon such default, may decline to extend further credit under the Agreement (Cardholder agrees not to make further Credit Purchases or Cash Advances) and declare all amounts owed by Cardholder immediately due and payable, without prior notice or demand of any kind, except as may be required by applicable law.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : Varies
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    None
    N/A
    None
    None    		 4.25%
    N/A
    None
    N/A
    N/A
    None
    None
  • Rebate Description: ScoreCard Rewards Program. Receive one point for every dollar you spend on your First Command Platinum VISA. Points can be redeemed for airline travel, cruises, vacation packages, hotel rooms, rental cars and merchandise.
  • Special Notes: None

First Hawaiian Bank Gold MasterCard

999 Bishop Street Honolulu, HI 96813

  • Card issued by : First Hawaiian Bank
  • Card Type : MasterCard
  • Card Class : Gold
  • Card Category : Regular
  • Margin Index : Prime +
  • Purchase APR : 12.49%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $29.95 depending on balance
  • Late Payment Fee : $29.95 depending on balance
  • Penalty/Default APR : 18.00% F
  • Penalty/Default Trigger : Not receiving the required minimum payment for two consecutive billing periods.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 2.50%
  • States Available in : HI
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3.00%
    N/A
    $5.00
    $50.00     		18.00% F
    N/A
    None
    N/A
    3.00%
    $3.00
    $50.00
  • Rebate Description: N/A
  • Special Notes: Must be a resident of Hawaii or Guam when applying online.

First Hawaiian Bank Gold Visa

999 Bishop Street Honolulu, HI 96813

  • Card issued by : First Hawaiian Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index : Prime +
  • Purchase APR : 12.49%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $29.95 depending on balance
  • Late Payment Fee : $29.95 depending on balance
  • Penalty/Default APR : 18.00% F
  • Penalty/Default Trigger : Not receiving the required minimum payment for two consecutive billing periods.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 2.50%
  • States Available in : HI
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3.00%
    N/A
    $5.00
    $50.00     		18.00% F
    N/A
    None
    N/A
    3.00%
    $3.00
    $50.00
  • Rebate Description: N/A
  • Special Notes: Must be a resident of Hawaii or Guam when applying online.

First National Bank of Chester County College Rewards Visa®

9 N High Street West Chester, PA 19380

  • Card issued by : First National Bank of Chester County
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Student
  • Margin Index : Prime + 5.99 - 14.99%
  • Purchase APR : 9.24 - 18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $19 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : The Delinquency Rate APR will apply to all balances in the event that the acct becomes 30 calendar days past due once or 5 calendar days past due twice in any twelve-month period or may apply if the acct has two Overlimit occurrences during any period of twelve consecutive months.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3.00%
    N/A
    $5
    $50    		 20.99%
    N/A
    None
    N/A
    4%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: Balance Transfer and Convenience Check Advance fee: 3% of transaction amount, $5 minimum. Overdraft Protection Advance fee: $10. Financial Institution Cash Advance fee: 4% of transaction amount, $10 minimum. Cash Equivalent fee: 4% of transaction amount, $20 minimum. A cosigner is required to open this account. Anyone 16 or older may apply.

First National Bank of Chester County Visa® Platinum Card

9 N High Street West Chester, PA 19380

  • Card issued by : First National Bank of Chester County
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Interest,Low Intro Rate
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 7.24 - 20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $40 (waived with 1 purchase/yr)
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $15 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : The Delinquency Rate APR will apply to all balances in the event that the acct becomes 30 calendar days past due once or 5 calendar days past due twice in any twelve-month period or may apply if the acct has two Overlimit occurrences during any period of twelve consecutive months.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    3.00%
    N/A
    $5.00
    None    		 20.99 %
    N/A
    None
    N/A
    4%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: Balance Transfer and Convenience Check Advance fee: 3% of transaction amount, $5 minimum. Overdraft Protection Advance fee: $10. Foreign Transaction fee: 3% of the transaction amount in U.S. Dollars. Financial Institution Cash Advance fee: 4% of transaction amount, $10 minimum. Cash Equivalent fee: 4% of transaction amount, $20 minimum.

First National Bank of Dryden Visa Classic

7 West Main Street Dryden, NY 13045

  • Card issued by : First National Bank of Dryden
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index : N/A
  • Purchase APR : 14.76%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $15.00
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 1.00%
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3.00%
    N/A
    $10.00
    None    		 14.76%
    N/A
    None
    N/A
    3.00%
    $10.00
    $100.00
  • Rebate Description: N/A
  • Special Notes: Available in banking area only.

First National Bank of Dryden Visa Gold

7 West Main Street Dryden, NY 13045

  • Card issued by : First National Bank of Dryden
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Regular
  • Margin Index : N/A
  • Purchase APR : 14.76%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $20.00
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 1.00%
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3.00%
    N/A
    $10.00
    None    		 14.76%
    N/A
    None
    N/A
    3.00%
    $10.00
    $100.00
  • Rebate Description: N/A
  • Special Notes: Available in banking area only.

First Natl Bank of Jeffersonville Visa® Platinum Card

4864 St Rt 52 Jeffersonville, NY 12748

  • Card issued by : First Natl Bank of Jeffersonville
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Interest,Low Intro Rate
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 07.24- 20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $40 (waived with 1 purchase/yr)
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $10 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : The Delinquency Rate APR will apply to all balances in the event that the acct becomes 30 calendar days past due once or 5 calendar days past due twice in any twelve-month period or may apply if the acct has two Overlimit occurrences during any period of twelve consecutive months.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3.00%
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00%
    6 Months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    3% (waived for intro)
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: Balance Transfer and Convenience Check Advance fee: 3% of transaction amount, $5 minimum. Overdraft Protection Advance fee: $10. Foreign Transaction fee: 3% of the transaction amount in U.S. Dollars. Financial Institution Cash Advance fee: 4% of transaction amount, $10 minimum. Cash Equivalent fee: 4% of transaction amount, $20 minimum.

First Natl Bank of Long Island Visa Classic

225 Broadway New York, NY 10007

  • Card issued by : First Natl Bank of Long Island
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index : N/A
  • Purchase APR : 17.40%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $15,000
  • Annual Fee : $20
  • Over-the-Limit Fee : $25 depending on balance
  • Late Payment Fee : $30 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 17.40%
    N/A
    None
    N/A
    3%
    $5
    $15
  • Rebate Description: N/A
  • Special Notes: Available in Nassau & Suffolk Counties.

First Natl Bank of Long Island Visa Gold

225 Broadway New York, NY 10007

  • Card issued by : First Natl Bank of Long Island
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 17.40%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $5,000
  • Maximum Credit Limit : $25,000
  • Annual Fee : $35
  • Over-the-Limit Fee : $25 depending on balance
  • Late Payment Fee : $30 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : NY
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 17.40%
    N/A
    None
    N/A
    3%
    $5
    $10
  • Rebate Description: N/A
  • Special Notes: Available in Nassau & Suffolk Counties.

First PREMIER Bank Classic MasterCard

900 W Delaware Sioux Falls, SD 57117

  • Card issued by : First PREMIER Bank
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Poor/No Credit
  • Margin Index : N/A
  • Purchase APR : 09.90%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $250.00
  • Maximum Credit Limit : N/A
  • Annual Fee : $48.00
  • Over-the-Limit Fee : $29.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : 19.90%
  • Penalty/Default Trigger : If the acct goes past the due date two times in any six month period or goes past the due date for two consecutive billing cycles.
  • Maximum Default APR :None
  • Universal Default Clause : Unknown
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    N/A
    N/A
    None
    None    		 19.90%
    N/A
    None
    N/A
    03.00%
    $5
    $10
  • Rebate Description: Reports monthly to 4 Major Credit Bureaus
  • Special Notes: Account Set-up Fee: $29.00 (one-time fee) - Program Fee: $95.00 (one-time fee) - Annual Fee: $48.00 - Participation Fee: $72.00 Annually - Additional Card Fee: $20.00 Annually per card, (if applicable). The Participation Fee of $72.00 will be billed at $6.00 per month. Credit Limit Increase Fee: Each time your Account is eligible and approved for a credit limit increase, a $25.00 fee is imposed. Internet Access Fee: $3.95

First PREMIER Bank MasterCard Secured

900 W Delaware Sioux Falls, SD 57117

  • Card issued by : First PREMIER Bank
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Poor/No Credit
  • Margin Index : N/A
  • Purchase APR : 19.90%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $200.00
  • Maximum Credit Limit : $5,000.00
  • Annual Fee : $69.00
  • Over-the-Limit Fee : $29.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : 19.90% F
  • Penalty/Default Trigger : If the acct goes past the due date two times in any six month period or goes past the due date for two consecutive billing cycles.
  • Maximum Default APR :None
  • Universal Default Clause : Unknown
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3.00%
    N/A
    $5
    		 19.90% F
    N/A
    None
    N/A
    3.00%
    $5
  • Rebate Description: Reports monthly to 4 Major Credit Bureaus
  • Special Notes: Credit limit will be equal to the initial deposit ($200 max. and $5,000 min.). $20 fee for additional cards, if applicable.

First PREMIER Bank Visa

900 W Delaware Sioux Falls, SD 57117

  • Card issued by : First PREMIER Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Poor/No Credit
  • Margin Index : N/A
  • Purchase APR : 07.90%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $250.00
  • Maximum Credit Limit : N/A
  • Annual Fee : $48.00
  • Over-the-Limit Fee : $29.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : 19.90%
  • Penalty/Default Trigger : If the acct goes past the due date two times in any six month period or goes past the due date for two consecutive billing cycles.
  • Maximum Default APR :None
  • Universal Default Clause : Unknown
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    N/A
    N/A
    None
    None    		 19.90%
    N/A
    None
    N/A
    03.00%
    $5.00
    $10.00
  • Rebate Description: Reports monthly to 4 Major Credit Bureaus
  • Special Notes: Account Set-up Fee: $29.00 (one-time fee) - Program Fee: $95.00 (one-time fee) - Annual Fee: $48.00 - Participation Fee: $72.00 Annually - Additional Card Fee: $20.00 Annually per card, (if applicable). The Participation Fee of $72.00 will be billed at $6.00 per month. Credit Limit Increase Fee: Each time your Account is eligible and approved for a credit limit increase, a $25.00 fee is imposed. Internet Access Fee: $3.95

First PREMIER Bank Visa Gold

900 W Delaware Sioux Falls, SD 57117

  • Card issued by : First PREMIER Bank
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Poor/No Credit
  • Margin Index : N/A
  • Purchase APR : 09.90%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $250.00
  • Maximum Credit Limit : N/A
  • Annual Fee : $48.00
  • Over-the-Limit Fee : $29.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : 19.90%
  • Penalty/Default Trigger : If the acct goes past the due date two times in any six month period or goes past the due date for two consecutive billing cycles.
  • Maximum Default APR :None
  • Universal Default Clause : Unknown
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    N/A
    N/A
    None
    None    		 19.90%
    N/A
    None
    N/A
    03.00%
    $5
    $10
  • Rebate Description: Reports monthly to 4 Major Credit Bureaus
  • Special Notes: Account Set-up Fee: $29.00 (one-time fee) - Program Fee: $95.00 (one-time fee) - Annual Fee: $48.00 - Participation Fee: $72.00 Annually - Additional Card Fee: $20.00 Annually per card, (if applicable). The Participation Fee of $72.00 will be billed at $6.00 per month. Credit Limit Increase Fee: Each time your Account is eligible and approved for a credit limit increase, a $25.00 fee is imposed. Internet Access Fee: $3.95

First PREMIER Bank Visa Secured

900 W Delaware Sioux Falls, SD 57117

  • Card issued by : First PREMIER Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Poor/No Credit
  • Margin Index : N/A
  • Purchase APR : 19.90%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $200.00
  • Maximum Credit Limit : $5,000.00
  • Annual Fee : $69.00
  • Over-the-Limit Fee : $29.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : 19.90% F
  • Penalty/Default Trigger : If the acct goes past the due date two times in any six month period or goes past the due date for two consecutive billing cycles.
  • Maximum Default APR :None
  • Universal Default Clause : Unknown
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3.00%
    N/A
    $5
    		 19.90% F
    N/A
    None
    N/A
    3.00%
    $5
  • Rebate Description: Reports monthly to 4 Major Credit Bureaus
  • Special Notes: Credit limit will be equal to the initial deposit ($200 max. and $5,000 min.). $20 fee for additional cards, if applicable.

First State Bank Visa Platinum

3 Main Street Canisteo, NY 14823

  • Card issued by : First State Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Interest,Regular
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 07.24 - 20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $40 after the first year (waived if you make 1 purchase per year)
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : 15 days past due once or 5 days past due twice in a 12 month period or over the credit limit twice in a 12 month period.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    3% (waived for intro)
    N/A
    $5
    None    		 20.99%
    N/A
    None
    N/A
    4%
    $10
    None
  • Rebate Description: Earn up to 1% on purchases. Earn up to $350 per year. A check is automatically sent after your anniversary date.
  • Special Notes: None

First State Bank Visa Signature

3 Main Street Canisteo, NY 14823

  • Card issued by : First State Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Low Interest,Regular
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 07.24 - 20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $40 after the first year (waived if you make 1 purchase per year)
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 28.99%
  • Penalty/Default Trigger : 15 days past due once or 5 days past due twice in a 12 month period or over the credit limit twice in a 12 month period.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    3% (waived for intro)
    N/A
    $5
    None    		 20.99%
    N/A
    None
    N/A
    4%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: None

Firstrust Savings Bank College Visa® Card

1800 Bethlehem Pike Flourtown, PA 19111

  • Card issued by : Firstrust Savings Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Student
  • Margin Index : Prime + 13.99% or the Index plus a Margin of 5.74%,* or the greater of 15.99% or the Index plus a Margin of 7.74%,* or the greater of 17.99% or the Index plus a Margin of 9.74%
  • Purchase APR : 13.99 - 17.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $35 - $39 depending on the balance depending on balance
  • Penalty/Default APR : up to 29.99%
  • Penalty/Default Trigger : Failing to make a min. payment to any creditor when due; exceeding the credit limit; or making a payment that is dishonored for any reason.
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3%
    N/A
    $10
    None    		 19.99%
    N/A
    None
    N/A
    3 - 5%
    $15
    None
  • Rebate Description: N/A
  • Special Notes: None

Firstrust Savings Bank Maximum RewardsSM Platinum Edition® Visa®

1800 Bethlehem Pike Flourtown, PA 19111

  • Card issued by : Firstrust Savings Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : Prime + 7.99-10.99%
  • Purchase APR : 12.99 - 15.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $35 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : APRs (incl. Intro. Rates or Special Offer Rates) may terminate and increase to a Penalty Rate or a Preferred Rate if you: fail to make a min. payment to any creditor when due or exceed your credit limit
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3%
    N/A
    $10
    None    		 20.24%
    N/A
    None
    N/A
    3%
    $15.00
    None
  • Rebate Description: Earn 1 reward point for every $1 in purchases. Earn 1,000 bonus points upon first usage within the first three billing cycles after your account is opened. No annual point cap and five year point expiration. Redeem your reward points for gift cards, travel, electronics, cash back in the form of a credit to your account, charitable donations, and more.
  • Special Notes: None

Firstrust Savings Bank Platinum Edition® Visa® Card

1800 Bethlehem Pike Flourtown, PA 19111

  • Card issued by : Firstrust Savings Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Intro Rate
  • Margin Index : Prime + 03.99-10.99%
  • Purchase APR : 08.99 - 15.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $35 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Failing to make a min. payment to any creditor when due; exceeding the credit limit; or making a payment that is dishonored for any reason.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3%
    N/A
    $10
    None    		 20.24%
    N/A
    None
    N/A
    5%
    $15
    None
  • Rebate Description: N/A
  • Special Notes: None

Five Star Bank Visa Personal (CO)

PO Box 14108 Colorado Springs, CO 80914

  • Card issued by : 5 Star Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Airline/Travel Rewards
  • Margin Index : N/A
  • Purchase APR : 09.90 - 18.90%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $20.00 depending on balance
  • Late Payment Fee : $20.00 depending on balance
  • Penalty/Default APR : 21.00%
  • Penalty/Default Trigger : Failing to make the minimum payment during two consecutive billing cycles.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : Unknown
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		02.90%
    6 months
    25 days
    N/A
    N/A
    N/A
    N/A    		 02.90%
    6 months
    None
    03.00%
    N/A
    $5.00
    $35.00     		12.90 - 19.90%
    N/A
    None
    N/A
    03.00%
    $5.00
    None
  • Rebate Description: Make a total of $3,000 in purchases within any consecutive 12-month period, you can earn a choice of free travel. Current reward choices include 2 3-Day / 2-Night mini-vacations with complimentary lodging at quality hotels in resort destinations in the U.S. (including Hawaii), Mexico and the Caribbean. Or a choice of free companion travel ? including a free companion airfare, free companion cruise fare, or free hotel stay.
  • Special Notes: 5Star credit cards are available to 5Star Bank customers, AFBA members and customers of its affiliated companies through periodic solicitation offers.

Five Star Bank Visa Personal Platinum

Two Seneca Street Geneva, NY 14456

  • Card issued by : Five Star Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Intro Rate
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 7.24 -20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $40 after the first year (waived if you make 1 purchase per year)
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $15 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : In the event that the acct becomes 30 calendar days past due once or 5 calendar days past due twice in any 12-month period or may apply if the acct has 2 overlimit occurrences during any period of 12 consecutive months.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    3% (waived for intro)
    N/A
    $5.00
    None    		 19.24%
    N/A
    None
    N/A
    3 - 5%
    $5 - $20
    None
  • Rebate Description: N/A
  • Special Notes: Balance Transfer and Convenience Check Advance fee: 3% of transaction amount, $5 minimum. Overdraft Protection Advance fee: $10. Foreign Transaction fee: 3% of the transaction amount in U.S. Dollars. Financial Institution Cash Advance fee: 4% of transaction amount, $10 minimum. Cash Equivalent fee: 4% of transaction amount, $20 minimum.
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Last Updated: March 31, 2009 by CardRatings.com. ®1998-2009; U.S. Citizens for Fair Credit Card Terms, Inc. All rights reserved.