Bank · FDIC insured
1st Financial Bank USA Credit Card Rates
1st Financial Bank USA credit card rates start at 33.65% APR. Rates checked October 22, 2026.
How 1st Financial Bank USA’s credit card rates compare
Compared with banks and credit unions in South Dakota, where 1st Financial Bank USA has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
1st Financial Bank USA
– –
- Up to
- —
No ongoing APR published
Lowest rate
Aspen Federal Credit Union
7.00%APR
- Up to
- 11.90% APR
2nd-lowest rate
Black Hills Federal Credit Union
7.75%APR
- Up to
- —
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
1st Financial Bank USA Credit Card
Must be at least 18 years old (or older in certain states). Offered to college students and college graduates nationwide.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases for 1 year. No annual fee for one year. Variable APR applies afterward based on the Prime Rate. |
| Ongoing | 33.65% | $25 | Regular variable purchase APR of 33.65% after introductory period. Varies with the market based on the Prime Rate. Annual fee is $25 after first year if credit limit is less than $1,000. |
| Ongoing | 33.65% | $55 | Regular variable purchase APR of 33.65% after introductory period. Varies with the market based on the Prime Rate. Annual fee is $55 after first year if credit limit is equal to or greater than $1,000. |
Sources (3)
- 1fbusa.com/products
- apply.1fbusa.com/card/apply?cid=eMEdwD&source=1FBPR
- apply.1fbusa.com/card/apply?cid=tzsZem&source=1FBNV
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.