Purchase APR
27.74–28.24%
Annual fee
None
Foreign fee
3% (min $1.50)
Top-25 issuerNo score620–719
Carrying $3k for a year ≈ $847.20
← Back to explorer
41
Purchase APR
16.74–29.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
21 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
29.99%
620–719
29.99%
720+
26.24%
Lowest offered16.74%
Median28.46%
Highest offered29.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$27
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$10
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityRegional
StatesAR, LA, NM, OK, TX
Membership requirementsOpen to the public
Phone(888) 290-2383
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 28.46%$853.80
Annual / periodic fees$0
Total yearly cost$853.80
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
23 documents filed by First Electronic Bank in the 2026 Q1 archive.
- Alibaba.com Business Edge Credit Card Rates and Fees (1)1.3 MB
- Avelo Airlines World Elite Mastercard Cardholder Agreement Rates and Fees1.6 MB
- avianca lifemiles American Express Card Cardholder Agreement and Rate Fees1.2 MB
- avianca lifemiles American Express Elite Card Cardholder Agreement and Rate Fees1.2 MB
- Booking.com Genius Rewards Visa Signature® Credit Card324 KB
- Brooks Brothers World Mastercard® (1)325 KB
Similar cards
Purchase APR
24.49–28.99%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $862.20
Purchase APR
24.49–28.99%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $862.20
Purchase APR
27.74%
Annual fee
$24
Foreign fee
3%
SecuredTop-25 issuerNo score620–719
Carrying $3k for a year ≈ $856.20 incl. $24 fee