Credit Card
Earn money while spending it? Our Cashback Credit Card gives you 3% on any gas purchase and 1% on all others.
Cashback Credit Card
Start earning 3% cashback on gas and 1% on all other purchases.
Apply Online$0
Annual Fee
3%
Cash back on gas purchases
1%
Cash back on all other purchases
12.99%
Annual Percentage Rate (APR) for purchases
12.99%
Annual Percentage Rate (APR) for balance transfers
Rates last updated 12/11/2025. Rates are subject to change on any day and will be updated by 10:00 AM EST. Please be sure to check this page after 10:00 AM EST for the rate that will be honored today. Review full Credit Card Terms & Conditions. Print the accompanying Credit Card Agreement. For additional information, visit our Disclosures page. Applications are subject to credit approval.
Boost your spending power.
Earning while you spend is great, but we didn’t stop there. We designed our card with you in mind, with benefits that deliver more security, personalized alerts and the ability to manage your account when you are on the go.
- Tap to pay
- Check out faster and more securely with your contactless card.
- Account alerts
- Set up personalized email or text reminders to help you stay on top of your account.
- Balance transfer
- Transfer your higher-rate balances onto your First IB card. (Why not take advantage of a better interest rate?).
- First IB mobile app
- Manage your account anywhere, anytime. Pay your bill, view your balance and see your transactions.
- No annual fee
- Why should you have to pay a fee to use your card?
- Earn unlimited cashback rewards
- Earn 3% on any gas purchase and 1% on all other purchases.
- Cashback rewards that don’t expire*
- Use cash back to pay your balance or transfer the money into your First IB Checking or Savings account.
*Cashback rewards do not expire as long as your account is open.
Checking Accounts
Choose the one that’s right for you — Interest or Free Checking.
Savings Accounts
Two choices — either way, your money grows faster.
Loans
We have the solution that’s right for you.
Contact
We are here to help.
Still have questions about our products and services? Our team is ready to get you the answers you seek… fast.
