Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	12.15%–22.15% variableFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, your APR will be from 12.15% to 22.15%. This APR will vary based on the Prime Rate and your creditworthiness.”First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	12.15%–22.15% variableFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, your APR will be from 12.15% to 22.15%. This APR will vary based on the Prime Rate and your creditworthiness.”First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	15.15%–25.15% variableFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“15.15% to 25.15% , when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate and your creditworthiness.”First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	3% of the amount, minimum $5First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Either $5 or 3% of the amount of each cash advance, whichever is greater.”First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Balance transfer	$0First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Foreign transaction	2% of the amountFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“2% of each transaction in U.S. Dollars.”First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
Late payment	—	no source read
Returned payment	up to $35First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $35”First Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1

Platinum Rewards MasterCard Disclosurepage 1 of 1

Platinum Rewards MasterCard® - Disclosure Summary

Important information about this Credit Card

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 0.00% introductory APR for the first 9 Billing Cycles following Account opening. After that, your APR will be from 12.15% to 22.15%. This APR will vary based on the Prime Rate and your creditworthiness. APR for Balance Transfers · 0.00% introductory APR for the first 9 Billing Cycles following Account opening. After that, your APR will be from 12.15% to 22.15%. This APR will vary based on the Prime Rate and your creditworthiness. APR for Cash Advances · 15.15% to 25.15% , when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate and your creditworthiness. Penalty APR · None How to Avoid Paying Interest on Purchases · Your due date is at least 26 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. Minimum Interest Charge · Not applicable For Credit Card Tips from the 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 at http://www.consumerfinance.gov/learnmore

Fees Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · None Either $5 or 3% of the amount of each cash advance, whichever is greater. 2% of each transaction in U.S. Dollars. Penalty Fees • Late Payment · Up to $25 * • Returned Payment · Up to $35

How We Will Calculate Your Balance : We use a method called 'average daily balance (including new purchases).'

How We Will Calculate Your Variable APR: Unless an introductory or promotional APR is in effect, we will add a 'Margin' to an 'Index Rate' to determine your standard variable rate. The Index Rate will be equal to the U .S. Prime Rate ('Prime Rate') in the Money Rates section of The Wall Street Journal published on the last day of the previous calendar month before the Closing Date shown on your billing statement. At account opening the APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. You may not qualify for the lowest APRs disclosed above. Periodically while your account is open, we will reevaluate your creditworthiness and determine whether your Account should be moved into a different pricing tier with a higher or lower Margin thereby increasing or reducing, respectively, your APR for Purchases, Balance Transfers and Cash Advances.

* If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $25 will be assessed. However, the Late Payment Fee will not exceed the total minimum payment that was due.

All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time. In accordance with the Agreement and applicable law, we may change them based on information in your credit report, market conditions, business strategies, or for any reason. Refer to the Rewards Program Terms and Conditions for additional details on point accrual and redemption at www.localfirstbank.com/Rewards.

1Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, your APR will be from 12.15% to 22.15%. This APR will vary based on the Prime Rate and your creditworthiness.”
Read exact source ↗
First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“15.15% to 25.15% , when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate and your creditworthiness.”
Read exact source ↗
First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, your APR will be from 12.15% to 22.15%. This APR will vary based on the Prime Rate and your creditworthiness.”
Read exact source ↗
First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Either $5 or 3% of the amount of each cash advance, whichever is greater.”
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First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“2% of each transaction in U.S. Dollars.”
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First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $35”
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First Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 26 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.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Balance transfer fee, Cash advance APR, Cash advance fee, Foreign transaction fee, Purchase APR, Returned payment fee

Offered through: First Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 15019
Branches: 116 in NC, SC
Sources: Official issuer · 1 document · 1 page cited

Documents

Platinum Rewards MasterCard Disclosureeffective date not parsed

Platinum Rewards MasterCard®First Bank · SM bank, NC · FDIC 15019

Rates and fees