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Banking RegistryReal data. Clear answers.Data as of Oct 2, 2026
Banking RegistryReal data. Clear answers.
MidFirst BankBusiness Secured Credit CardRegistry illustration · issuer artwork unavailable

Business Secured Credit CardMidFirst Bank · SB bank, AZ · FDIC 4063

CurrentLast observed Oct 2, 2026Source date Oct 2, 2026Official issuerCredit card · Business · securedFiled as “MidFirst Bank Business Secured Credit Card”
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Purchase APR
21.49%
p.1variable
Balance transfer
21.49%
p.1variable
Cash advance APR
24.99%
p.1variable
Annual fee
$35
a year
Foreign fee
3%
of the amount
Grace period
Not disclosed

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases21.49% variableMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“Your APR will be 21.49% when you open your account. This APR will vary with the market based on the Prime Rate.”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026p. 1
APR for balance transfers21.49% variableMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“APR for Balance TransfersYour APR will be 21.49%when you open your account. This APR will vary with the market based on the Prime Rate”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026p. 1
APR for cash advances24.99% variableMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“24.99%. This APR will vary with the market based on the Prime Rate.”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026p. 1
Penalty APRafter a late or returned paymentNot disclosedMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026“The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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 …”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026Website
Rate mechanics · Balance transfer14.74%MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“APR for Purchases and Balance Transfers: To determine the APR for Purchases and Balance Transfers, we add a margin of 14.74% to the Index (Prime Rate) up to a maximum APR of 24.99%”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026p. 2
Rate mechanics · Cash advance21.74%MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“APR for Cash Advances: To determine the APR for Cash Advances, we add a margin of 21.74% to the Index (Prime Rate) up to a maximum APR of 24.99%”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026p. 2
Rate mechanics · Purchase14.74%MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“APR for Purchases and Balance Transfers: To determine the APR for Purchases and Balance Transfers, we add a margin of 14.74% to the Index (Prime Rate) up to a maximum APR of 24.99%”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026p. 2
Variable APR capthe calculated APR will not exceed this amountup to 24.99%MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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 …”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Paying interestgrace period on new purchasesNot disclosedno source read
Annual fee$35, $35 annual fee*MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“$35 annual fee*”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Transaction fees
Cash advance5% of the amount, minimum $10, The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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. The annual fee for the MidFirst Business Secured Credit Card is $35. 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.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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 …”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Balance transfer3% of the amount, minimum $10, The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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. The annual fee for the MidFirst Business Secured Credit Card is $35. 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.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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 …”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Foreign transaction3% of the amount, The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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. The annual fee for the MidFirst Business Secured Credit Card is $35. 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.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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 …”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Penalty fees
Late paymentup to $35 — Up to $35; this is a maximum, not an exact charge.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“Up to $35 Up to $35”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026p. 1
Returned paymentup to $35 — Up to $35; this is a maximum, not an exact charge.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026“Up to $35 Up to $35”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026p. 1
APR qualificationsPenalty · Penalty The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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. The annual fee for the MidFirst Business Secured Credit Card is $35. 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. MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026“The MidFirst Business Secured Credit Card APR for purchases and balance transfers will be 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 …”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026Website