Consumer Rewards Credit CardMidFirst Bank · SB bank, AZ · FDIC 4063
CurrentLast observed Oct 2, 2026Source date Oct 2, 2026Official issuerCredit card · Consumer
Cash advance APR
—
Grace period
Not disclosed
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory, 12 billing cycles | Not disclosedMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | “Enjoy your choice of rewards, including merchandise, gift cards, travel, cash back and more! Plus, enjoy an introductory low APR* on all purchases and balance transfers for the first 12 billing cycles after your account is opened. After that, your rate will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%).*”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | Website |
| 17.49%–23.49% variableMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026 | “The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%). 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 $1…”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026 | Website | |
| APR for balance transfersintroductory rate first | |||
| Introductory, 12 billing cycles | Not disclosedMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | “Enjoy your choice of rewards, including merchandise, gift cards, travel, cash back and more! Plus, enjoy an introductory low APR* on all purchases and balance transfers for the first 12 billing cycles after your account is opened. After that, your rate will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%).*”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | Website |
| After | 17.49%–23.49% variableMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026 | “The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%). 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 $1…”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026 | Website |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Variable APR capthe calculated APR will not exceed this amount | up to 24.99% | — | — |
| Paying interestgrace period on new purchases | Not disclosed | no source read | |
| Annual fee | No annual feeMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | “No annual fee*”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | Website |
| Transaction fees | |||
| Cash advance | the greater of $10 or 5% of the amount, The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | “The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%). 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 $1…”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | Website |
| Balance transfer | the greater of $10 or 3% of the amount, The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | “The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%). 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 $1…”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | Website |
| Foreign transaction | 3% of the amount, Foreign transaction fee is 3% of each transaction in U.S. dollars.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | “The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%). 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 $1…”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 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 · Page Capture Oct 2, 2026 · Captured Oct 2, 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 · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | Website |
| APR qualificationsBalance transfer · Regular; Purchase · Regular | The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%). 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. MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026 | “The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%). 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 $1…”MidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026 | Website |
| Signup bonuspoints award | 20,000 points. Spend $2,000 on eligible purchases within 90 days after account opening. Points may be redeemed for a $200 statement credit or other rewards. Award posts within 1–2 statement cycles after qualification. Offer expiration not disclosed.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | “Offer only valid for Consumer Rewards Credit Card applications. Qualifying cardholders will receive 20,000 bonus points that can be redeemed for a $200 statement credit or used toward other rewards. See the MidFirst Rewards Terms and Conditions Summary in the Credit Card Application Disclosure for details. To qualify, cardholders must make an eligible purchase or purchases totaling $2,000 or more…”MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026 | Website |