SUMMARY OF IMPORTANT CREDIT TERMS This Summary of Important Credit Terms is part of the Card Agreement.
Interest Rates and Interest Charges
Platinum Rewards Card · FCC incinnati Rewards Card · Signature Rewards Card
Annual Percentage Rate (APR) for Purchases and Balance Transfers · 15. 49 -2 1. 49 %* ThisAPR will vary with the market based on the Prime Rate. · 15. 49 -21. 49 %* ThisAPR will vary with the market based on the Prime Rate. · 15. 49 -21. 49 %* ThisAPR will vary with the market based on the Prime Rate.
APR for Cash Advances · 2 1. 49 % ThisAPR will vary with the market based on the Prime Rate. · 2 1. 49 % ThisAPR will vary with the market based on the Prime Rate. · 2 1. 49 % ThisAPR will vary with the market based on the Prime Rate.
Special Introductory Rate · 0% IntroductoryAPRfor 12 months on Purchases and Balance Transfers. After that the standardAPR shown above will apply.
Paying Interest · Your due date is at least 27 days after the close of each billing cycle. Wewill not charge you any interest on purchases or balance transfers if you pay your entire balance by the due date each month. Wewill begin charging interest on cash advances on the transaction date.
Minimum Interest Charge · If you are charged periodic interest, the charge will be no less than $1.
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 • Cash Advance • Balance Transfer • Foreign Transaction · Either $10 or 2% of the amount of each cash advance, whichever is greater. Either $10 or 2% of the amount of each balance transfer , whichever is greater. None
Penalty Fees • Late Payment • Returned Payment • Returned Check · Up to $39 Up to $39 $10
* When you open your account, based on your creditworthiness
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).' See the First Financial Bank Card Agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the First Financial Bank Card Agreement.
Terms and Conditions
Balance Transfers Under the Card Agreement, balance transfers are treated like purchases for interest calculation purposes. However, if your account has rewards, balance transfers do not earn rewards.
Variable Rate Based on the Prime Rate: Variable APRs are based on the U.S. Prime Rate as December 1 0 , 2025 . The APR may increase or decrease monthly if the Prime Rate changes during that period, but will never exceed 25%. This information was accurate as of the date specified above and is subject to change after that date. Contact us at 1-800-221-8890 for any change in the information since it was printed.
Purchase and Balance Transfer APR: Platinum Rewards, FC C incinnati Rewards and Signature Rewards Card: We add a Margin of 8.74%, 10.74%, 12.74% or 14.74% to the Prime Rate of 6.75 %.
Cash Advance APR: We add a Margin of 14.74% to the Prime Rate of 6.75 % .
