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Interest Rates & Interest Charges

CoreCard 

 

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Platinum Card 

 

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Classic Card

 

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Annual Percentage Rate (APR) for Purchases 3.9% Introductory APR for twelve (12) months. After that your APR will be
12.9% This APR will vary with the market based on the Prime Rate.1
1.9% Introductory APR for six (6) months. After that your APR will be 9.25%. This APR will
vary with the market based on the Prime Rate2.
14.9% This APR will vary with the market based on the Prime Rate3.
 
APR for Balance Transfers*
0%* Introductory APR for sixteen (16) months from the date of first balance transfer. After that your APR will be
12.9%* This APR will vary with the market based on the Prime Rate.1
1.9%* Introductory APR for six (6) months from the date of first balance transfer. After that your APR will be
9.25%* This APR will vary with the market based on the
Prime Rate2.
14.9%* This APR will vary with the market
based on the Prime Rate3
APR for Cash Advances 18.9% This APR will vary with the market based on the
Prime Rate4.
18.9% This APR will vary with the market based on the
Prime Rate4.
18.9% This APR will vary with the market based on the Prime Rate4.
Penalty APR and When It Applies 18.9% This APR will vary with the market based on the Prime rate4. This APR may be applied to your account if your account is more than sixty (60) days delinquent. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
 
Paying Interest
Your due date is at least twenty-five (25) days after the close of each billing cycle. We will not charge you any interest on purchases if you pay the entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge $0.00
Credit Card Tips from Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.
Annual Fee None
Transaction Fees
Balance Transfer
Platinum & Classic Cards
Either $10 or 3% of the amount of each Balance Transfer, whichever is greater (maximum fee $50)
Balance Transfer
(CoreCard)
No Balance Transfer Fee
Cash Advance Either $10 or 5% of the amount of each Cash Advance, whichever is greater (maximum fee $50)
Foreign Transaction 2% of the U.S. Dollar amount of the transaction
Penalty Fees
Late Payment Up to $35
Returned Payment Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR for the reason described in the Penalty APR box above. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your Account Agreement.

 

1The APR is adjusted monthly by adding 9.0% to the Wall Street Journal Prime Rate; however, the rate will not drop below 12.9% or exceed 21.9%.

2The APR is adjusted monthly by adding 3.25% to the Wall Street Journal Prime Rate; however, the rate will not drop below 9.25% or exceed 12.0%.

3The APR is adjusted monthly by adding 8.9% to the Wall Street Journal Prime Rate; however, the rate will not drop below 14.9% or exceed 23.9%.

4The APR is adjusted monthly by adding 12.9% to the Wall Street Journal Prime Rate; however, the rate will not drop below 18.9% or exceed 23.9%.

Current rates as of 8/16/2021. Rates subject to change.

0% Introductory APR1 onBalance Transfers1 for 16 months

No Fees1 for Balance Transfers 

Earn 2x the Rewards Points for 12 months1

Image of CoreCard design

 

¹CoreCard Disclosure & Details

 

 


Annual Fee$0
Annual Percentage Rate (APR)
for Purchases
3.9%* Introductory APR for twelve (12) months. After that your APR will be 12.9%*. This APR will vary with the market based on the Prime Rate¹.Credit Card Disclosure
APR for
Balance Transfers**
0%* Introductory APR for sixteen (16) months. After that your APR will be 12.9%*. This APR will vary with the market based on the Prime Rate¹.Credit Card Disclosure
Rewards Points1 point for every $1.00 spent on qualifying purchases*
Eligible for Electronic
Wallet
Yes
Visa's Zero Liability²Yes
Emergency Cash Disbursement & Card ReplacementYes
Access Card Via
Internet Banking
Yes

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR for the reason described in the Penalty APR box above. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your account agreement.
* Current rate is valid as of . Rates subject to change.
**Balance transfers may not be from another account issued by CoreFirst Bank & Trust. Additional Card members may not request or authorize balance transfers.
¹The APR is adjusted monthly by adding 9.00% to the Wall Street Journal Prime Rate; however the rate will not drop below 12.9% or exceed 21.9%.
²CoreFirst credit cards are automatically protected from unauthorized transactions with Visa's Zero Liability protection. Please review the Cardholder Agreement for details. U.S. issued cards only. Visa's Zero Liability policy does not apply to commercial cards or ATM transactions not processed by Visa.

 





The CoreCard features a flexible rewards program and introductory rate offers.

  • Earn 1 point for every $1.00 spent on qualifying purchases* with ScoreCard® Rewards
  • Redeem your points for name-brand merchandise, gift cards or travel rewards
  • Local customer support with legendary customer service
  • Competitive rates and fees
  • Enjoy the added security of Chip Technology
  • Access your account information with Internet Banking
  • Add your credit card to your electronic wallet - Apple Pay® or Samsung Pay
  • Fraud protection with Visa's Zero Liability Policy**
*Qualifying purchases include retail purchases. Points may be deducted from points balance if items are returned for card credit.
**CoreFirst credit cards are automatically protected from unauthorized transactions with Visa's Zero Liability protection. Please review the Cardholder Agreement for details. U.S. issued cards only. Visa's Zero Liability policy does not apply to commercial cards or ATM transactions not processed by Visa.

Buy Stuff, Get Stuff with our Visa® debit and credit card rewards program. Earn merchandise and travel rewards by using your consumer debit card. Each qualifying purchase¹ earns valuable Bonus Points redeemable for: merchandise, gift cards and exciting travel opportunities.

With your CoreCard, enjoy 2X the Rewards Points for the first 12 months!

Qualifying Card TypesEarn Rate
Consumer Visa CoreCard or Platinum Card1 point / $1 spent
 

Activate your qualifying card Today!

  • Visit ScoreCardRewards.com
  • Create your user profile (on first use) by clicking on CREATE PROFILE. You will be asked to enter in your name, zip code and 16-digit qualifying card number. You will also be asked to set up security questions for password retrieval. Once you create your profile, use your username and password for future account access.
  • Use your qualifying card for all your purchases and watch your points balance grow! 
  • After creating your profile, visit ScoreCardRewards.com to check your points balance, redeem for merchandise or browse the rewards selections.

Already Enrolled?

Access your reward points and redeem at: ScoreCardRewards.com


¹Earned points are based on qualifying transactions. Debit card purchases will only receive points on signed, credit purchases. When using your debit card, make sure to push credit. Card purchases made that are returned for a card credit may be deducted from total points.

Questions:

CoreFirst Bank & Trust – 1.800.280.0123

Credit Card Lost or Stolen – 1.800.280.0123 (If after hours, please listen carefully to prompts.)

Credit Card PIN Changes – 1.866.297.3413