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MidFirst Bank

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, 12 billing cyclesNot disclosedMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
17.49%–23.49% variableMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026Website
APR for balance transfersintroductory rate first
Introductory, 12 billing cyclesNot disclosedMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
After17.49%–23.49% variableMidFirst Bank · Stated In Document Feb 1, 2026 · Captured Oct 2, 2026Website
APR for cash advances—
Penalty APRafter a late or returned payment—
Variable APR capthe calculated APR will not exceed this amountup to 24.99%—
Paying interestgrace period on new purchasesNot disclosed
Annual feeNo annual feeMidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Transaction fees
Cash advancethe 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, 2026Website
Balance transferthe 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, 2026Website
Foreign transaction3% 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, 2026Website
Penalty fees
Late payment—
Returned payment—
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, 2026Website
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, 2026Website
Signup bonuspoints award20,000 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, 2026Website