Bank · FDIC insured
First Bank Credit Card Rates
First Bank credit cards start at 13.40% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How First Bank’s credit card rates compare
Compared with banks and credit unions near Asheville, NC, where First Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First Bank
13.40%APR
- Up to
- 23.40% APR
Platinum Low Rate Card
Lowest rate
Mountain Credit Union
9.99%APR
- Up to
- —
2nd-lowest rate
Champion Credit Union
10.00%APR
- Up to
- —
First Bank credit card score
66
Credit card score
Higher than 16% of U.S. banks and credit unions
- Purchase APRPurchase APR13.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Bank ranks
By credit card score, in each area where it has branches
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.
Platinum Credit Card with Rewards
Loans subject to credit approval. $0 balance transfer fee and $0 annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 0.00% | None | 0% introductory APR for the first 9 months for new cardholders on purchases. |
| Ongoing | 16.40%–26.40% | None | After 9 months, a variable 16.40 – 26.40% APR will apply for purchases. |
Sources (1)
- localfirstbank.com/personal/cr…credit-card-with-rewards · captured Oct 15, 2026
Platinum Low Rate Card
Loans subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory APR for the first 6 months for new cardholders. |
| Ongoing | 13.40%–23.40% | None | After 6 months, a variable 13.40 – 23.40% APR will apply. |
Sources (1)
- localfirstbank.com/personal/cr…rds/platinum-credit-card · captured Oct 15, 2026
Platinum Secured Mastercard
Loans subject to credit approval. Minimum deposit required to open card is $325; maximum card limit is $5,000. Deposit used to secure card acts as spending limit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 22.40% | $48 | Variable APR for Purchases. Annual fee begins with the first statement, and then annually thereafter. |
| Ongoing | 25.40% | $48 | Variable APR for Cash Advances. Annual fee begins with the first statement, and then annually thereafter. |
Sources (1)
- localfirstbank.com/personal/cr…inum-secured-credit-card · 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.