First Electronic BankH-E-B Visa Signature® Credit CardRegistry illustration · issuer artwork unavailable

H-E-B Visa Signature® Credit CardFirst Electronic Bank · NM bank, UT · FDIC 35533

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

16.74%–29.99%

great to poor

Balance transfer

—

Cash advance APR

—

Annual fee

p.1none

Foreign fee

Grace period

21 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 26.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 29.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 29.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	16.74%–29.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	21 days from the close of each billing cycle	—	—
Minimum interest charge	$1	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0First Electronic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$ 0.00”First Electronic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$27Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$35Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$10, The Returned Payment Fee is assessed each time the cardholder's financial institution rejects a payment for any reason.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

H-E-B Visa Signature® Credit Card (1)page 1 of 18

IMPORTANT CREDIT TERMS H-E-B Visa Signature ® Credit Card

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 17.24 % - 35.99 % based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate. How to Avoid Paying Interest · Your due date is at least 21 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 · If you are charged interest, the charge will be no less than $ 1.00 For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore Fees Annual Fee · $ 0.00 Penalty Fees ● Late Payment ● Returned Payment ● Over-the-Credit Limit · up to $ 35.00 $ 10.00 $ 0.00 Currency Conversion Fee · $ 0.00 Other Fees · None

How We Will Calculate Your Balance: We use the daily balance method (including new Purchases). See the Calculating Interest Cardholder Agreement section below for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below in your Cardholder Agreement.

Purchase APR:

Prime Rate plus a margin of 10.49 % -29.24 %

The daily periodic rate for your Purchase APR is 0.0472 % -0.0986 %

Program Contact Information:

Phone:

1-888-290-2383

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18Page 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 Electronic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$ 0.00”
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First Electronic Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $ 1.00”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Cash Advance APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:first-electronic-bank:h-e-b-visa-signature-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: First Electronic Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 35533
Branches: 1 in UT
Sources: Government dataset · 1 document · 1 page cited

Documents

H-E-B Visa Signature® Credit Card (1)effective date not parsed

H-E-B Visa Signature® Credit CardFirst Electronic Bank · NM bank, UT · FDIC 35533

Rates and fees