Purchase APR
14.99–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Travel-related
Carrying $3k for a year ≈ $540
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48
First State Bank Credit Card
First State Bank
NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered18%
Median18%
Highest offered18%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered18%
Median18%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$5
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Pay by Phone$10
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone270-547-2271
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 18.00%$540
Annual / periodic fees$0
Total yearly cost$540
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
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Foreign fee
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