MidFirst BankBusiness Rewards Credit CardRegistry illustration · issuer artwork unavailable
Business Rewards Credit CardMidFirst Bank · SB bank, AZ · FDIC 4063
CurrentLast observed Aug 26, 2026Source date Feb 1, 2026Official issuerCredit card · Business
Cash advance APR
—
Grace period
Not disclosed
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory, 6 billing cycles | 0%MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | “Enjoy an introductory 0% APR* on all company purchases and balance transfers for the first six billing cycles after the account is opened. After that, the rate will be based on your company's creditworthiness (between 17.49% and 21.49%) and will vary based on the prime rate (up to 24.99%).*”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | Website |
| 17.49%–21.49% variableMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | Website | |
| APR for balance transfersintroductory rate first | |||
| Introductory, 6 billing cycles | 0%MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | “Enjoy an introductory 0% APR* on all company purchases and balance transfers for the first six billing cycles after the account is opened. After that, the rate will be based on your company's creditworthiness (between 17.49% and 21.49%) and will vary based on the prime rate (up to 24.99%).*”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | Website |
| After | 17.49%–21.49% variableMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | Website |
| APR for cash advances | Not disclosedMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | Website |
| Penalty APRafter a late or returned payment | Not disclosedMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | Website |
| Variable APR capthe calculated APR will not exceed this amount | up to 24.99%MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Paying interestgrace period on new purchases | Not disclosed | no source read | |
| Annual fee | No annual fee*MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “No annual fee*”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Transaction fees | |||
| Cash advance | 5% of the amount, minimum $10, The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account may be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of February 1, 2026. Subject to credit approval. See the Business Credit Card Application Disclosure for additional details, including terms and conditions.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Balance transfer | 3% of the amount, minimum $10, The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account may be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of February 1, 2026. Subject to credit approval. See the Business Credit Card Application Disclosure for additional details, including terms and conditions.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Foreign transaction | 3% of the amount, The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account may be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of February 1, 2026. Subject to credit approval. See the Business Credit Card Application Disclosure for additional details, including terms and conditions.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsBalance transfer · Introductory; Purchase · Introductory | In order to keep applicable introductory rates, you must make payments when due, stay within your credit limit and not have any payments dishonored for any reason. Please note that the introductory rates do not apply to cash advances. MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | “In order to keep applicable introductory rates, you must make payments when due, stay within your credit limit and not have any payments dishonored for any reason. Please note that the introductory rates do not apply to cash advances.”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | Website |
| APR qualificationsBalance transfer · Regular; Cash advance · Regular; Penalty · Penalty; Purchase · Regular | The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account may be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of February 1, 2026. Subject to credit approval. See the Business Credit Card Application Disclosure for additional details, including terms and conditions. MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | “The MidFirst Bank Business Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee …”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Aug 26, 2026 | Website |
| Qualifying business expensesNot disclosed | 5 points per $1. See source conditions for eligible purchases.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “Five points per $1 spent on qualifying business expenses”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Qualifying gas and dining transactionsNot disclosed | 2 points per $1. See source conditions for eligible purchases.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “Two points per $1 spent on qualifying gas and dining transactions”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Other qualifying purchasesNot disclosed | 1 point per $1. See source conditions for eligible purchases.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “One point per $1 spent on other qualifying purchases”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Rewards conditionsQualifying business expenses | Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: merchandise, gift cards, travel, cash back. Five points per $1 spent on qualifying business expensesMidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “Five points per $1 spent on qualifying business expenses”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Rewards source conditionsQualifying business expenses | Earn your company points for every dollar spent on qualifying purchases.* Redeem points for merchandise, gift cards, travel, cash back and more.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “Earn your company points for every dollar spent on qualifying purchases.* Redeem points for merchandise, gift cards, travel, cash back and more.”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Rewards conditionsQualifying gas and dining transactions | Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: merchandise, gift cards, travel, cash back. Two points per $1 spent on qualifying gas and dining transactionsMidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “Two points per $1 spent on qualifying gas and dining transactions”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Rewards source conditionsQualifying gas and dining transactions | Earn your company points for every dollar spent on qualifying purchases.* Redeem points for merchandise, gift cards, travel, cash back and more.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “Earn your company points for every dollar spent on qualifying purchases.* Redeem points for merchandise, gift cards, travel, cash back and more.”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Rewards conditionsOther qualifying purchases | Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: merchandise, gift cards, travel, cash back. One point per $1 spent on other qualifying purchasesMidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “One point per $1 spent on other qualifying purchases”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Rewards source conditionsOther qualifying purchases | Earn your company points for every dollar spent on qualifying purchases.* Redeem points for merchandise, gift cards, travel, cash back and more.MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | “Earn your company points for every dollar spent on qualifying purchases.* Redeem points for merchandise, gift cards, travel, cash back and more.”MidFirst Bank · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |