First Option Bank Visa Classic Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
13.67% (4.9% for the first 6 months)
Balance Transfer
13.67% (0% for the first 6 months)
Rewards
-
Signup Bonus
-


Am I eligible?


First Option Bank Visa Classic Credit Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

Details


Interest Rates
Regular APR Interest Rate 13.67% (4.9% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.67% (0% for the first 6 months)
  • Intro. rate also available for 5.9% for 12 months (depending on option chosen by cardholder)
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 22.9%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

If the cardholder selects 0% intro APR, otherwise no fee.

Cash Advance Fee 2%

Minimum of $5

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $25.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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