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FirstOak Bank
| Term | Value | Source |
|---|---|---|
| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | $29, • Annual Fee of $29 can be waived if business signs up for AutoPayFirstOak Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | 3% of the amount, • International Transaction Fee: 3%FirstOak Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| ScoreCard RewardsNot disclosed | 1 point per $1. See source conditions for eligible purchases.FirstOak Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Rewards conditionsScoreCard Rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: cash, gift cards, merchandise, airfare, hotels, travel packages. Platinum and enrolled Business cardholders earn 1 point for every $1 in purchasesFirstOak Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Rewards source conditionsScoreCard Rewards | • ScoreCard Rewards available on requestFirstOak Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Rewards source conditionsScoreCard Rewards | ScoreCard Rewards is a rewards program offering points for qualifying purchases.FirstOak Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |