Credit cards that are decidedly ungimmicky.

First IB credit cards give you the confidence of holding greater spending power in the palm of your hand. But that’s not all: our cards also offer the possibility of a fully integrated financial experience. When you have both a First IB credit card and checking account, you will be able to:

  • View your credit card information and transaction details along with your other accounts – no separate login required.
  • Make real-time credit card payments online by transferring funds from your checking account. No need to mail a check or worry about late fees!
  • Advance funds from your credit card immediately into your checking account, 24 hours a day.
CONNECT ClassicApply
Annual Percentage Rate (APR)
16.99%
Penalty APR
21.00%*
Grace Period
25 days*
Minimum Finance Charge
None
Monthly Payment
Minimum 5% of new balance but not less than $25.00
Cash Advance Fee
2% of the amount of the cash advance; $10.00 maximum*
Late Payment Fee
$17.50
Over-the-Limit Fee
$25.00
Returned Check Charge
$25.00
Term
Open-end, reviewed in twelve (12) months
CONNECT SelectApply
Annual Percentage Rate (APR)
14.99%
Penalty APR
21.00%*
Grace Period
None
Minimum Finance Charge
None
Monthly Payment
Minimum 5% of new balance but not less than $25.00
Cash Advance Fee
2% of the amount of the cash advance; $10.00 maximum*
Late Payment Fee
$17.50
Over-the-Limit Fee
$25.00
Returned Check Charge
$25.00
Term
Open-end, reviewed in twelve (12) months
Rates last updated __DATE__. Rates are subject to change on any day and will be updated by 10 AM Eastern. Please be sure to check this page after 10 AM Eastern for the rate that will be honored today.

* Review full Credit Card Terms & Conditions. Print the accompanying credit card agreement.

For further details, refer to the Schedule of Fees Common to All Personal Accounts

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