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29

Forcht Bank Reserve Visa Card

Forcht Bank, National Association

RegionalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
18.75–24.75%
Annual fee
$295
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

No score
—
≤619
—
620–719
23.75%
720+
20.75%
Lowest offered18.75%
Median21.75%
Highest offered24.75%

Cash advance APR

No score
—
≤619
—
620–719
22.75%
720+
20.75%
Lowest offered18.75%
Median—
Highest offered24.75%

Every fee on this card

Annual fee$295
Balance transfer fee3% (min $5)
Cash advance fee4% (min $5)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$27
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityRegional
StatesFL, IN, KY, OH, TN, VA
Membership requirementsOpen to the public
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 21.75%$652.50
Annual / periodic fees$295
Total yearly cost$947.50

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.

Cardholder agreements

5 documents filed by Forcht Bank, National Association in the 2026 Q1 archive.

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