Should you choose rewards or save with a low-interest rate card?

Reward cards can be a great choice for many people. You get points for every purchase to use later. But many people never end up redeeming the rewards they’ve earned. If you think you might be one of those people, choosing a card with a lower interest rate that doesn’t have rewards could be a better fit.

What are the card benefits?

Earn unlimited points and redeem for cash back or rewards

No annual fee or foreign transaction fees

0% APR on purchases and balance transfers for the first 12 months2

Contactless payments

Two great cards. One tough choice.

Things to know about credit and credit cards

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Find the right card for you

With so many options, choosing a credit card can be difficult. Take this quiz to see the best card for your life and wallet.

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Frequently asked questions

At minimum, you’ll need to provide personal information, including your:

  • Full name
  • Social Security number
  • Date of birth
  • Physical address (No P.O. Boxes)
  • Estimated gross annual income (income before taxes)

You can easily manage your credit card account online at ezcardinfo.com. You’ll be able to see account and reward balances, pay your bill, report a lost or stolen card, and redeem rewards among other things.

You can request a PIN by calling the number on the back of your card.

We’ll generally send you a replacement card shortly before your current card is set to expire. If you do not receive your replacement card, you can easily request one by calling the number on the back of your card.

A balance transfer can be requested by calling the number on the back of your card or by calling your local banking center. You can submit up to three balance transfers in each session; however, your transfer amount cannot exceed your total credit available, so be sure to plan for applicable fees and interest charges, as well as any pending purchases, advances or transfers when determining your transfer amount.

The cash credit line is the maximum available credit for bank cash advance transactions.

You can view your credit line on your statement, on the credit card account details page of the website or by calling Client First Center at 877.322.9530.

Yes, you can request an increase in your credit limit on our website or by phone.

If your card is lost or stolen, you can report it by calling 877.339.4078. Once reported, we’ll deactivate your old card so no one can use it and you can tell us if there are purchases on the account you didn’t make.

With Visa’s® Zero Liability, you will not be held responsible for any purchases made if your card is lost or used without your authorization.3

First Financial Bank does not charge a fee for using your credit card for foreign currency transactions. Foreign purchases will be converted at the foreign exchange rate in effect at the time of processing the charge.

Yes, your card can be used at any ATM with the Visa® symbol. Your withdrawal will be converted at the foreign exchange rate in effect at the time of processing the charge. While we do not charge a foreign transaction fee, you may be charged a cash advance fee.

Your First Financial Bank Visa® card is equipped with EMV chip technology, so you should have no trouble using it while abroad, but we recommend contacting us before traveling out of the country to avoid any disruption.

If you encounter any problems with your account while traveling within or outside the United States, please call the phone number on the back of your card.

A credit card generally has a simpler application process and provides a good option for everyday purchases, large and small, anywhere Visa® is accepted. Credit cards typically require no collateral and offer more flexibility for purchases and repayment. 

A line of credit is generally used when a borrower needs a significantly higher credit line than a credit card will provide, or if they need to borrow actual cash for big-ticket purchases, such as home remodeling projects.

You can easily update your address or email address by calling the number on the back of the card, contacting our Client First Center at 877.322.8100, or sending a written request to Card Services, P.O. Box 42070, Middletown, OH 45044.

Your credit score is affected by a number of factors, including the credit you have available, how much of that credit you’re using, and your payment history. Applying for and/or opening a new credit card will factor into your score.


1 Earn one point per dollar of spend on Visa® Platinum with credit lines up to $4,999. Credit lines of $5,000 or more will be automatically upgraded to the Visa Signature Rewards card and earn 1.25 points per dollar of spend. 
Points are earned based on qualifying net purchases using your First Financial Visa Platinum Rewards Credit Card or Visa Signature Rewards Credit Card. Qualifying purchases are defined as purchases minus returns and/or other related credits. The account must be in good standing to earn points. Accounts do not earn points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind. Credits to your account (such as returns of purchases) will reduce the points available in your account. Points expire after 60 months. Subject to credit approval. See full rewards terms and conditions for the Visa Platinum Rewards Credit Card and the Visa Signature Rewards Credit Card.

2 Annual Percentage Rate (APR) will be 0% for all purchases made and balance transfers completed during the first 12 months after account opening (“Promotional Period”). Offer valid on purchase and balance transfers only. You cannot use cash advances, or balance transfers to pay an existing balance on other First Financial Bank credit cards or loans. No interest will be due on purchases made and balance transfers completed during the Promotional Period, if the purchases and balance transfers are paid in full prior to the end of the Promotional Period. After the Promotional Period ends, the APR will be your current annual percentage rate, which may vary with the market based on Prime rate.

3 Visa’s® Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. Individual replacement fund amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before replacement funds may be issued. For specific restrictions, limitations, and other details, please visit your local banking center or call our Client First Center.

All credit cards are subject to credit review and approval.

Visa Terms & Conditions

Rewards Program Terms & Conditions

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First Financial Bank is not affiliated with any third-party websites. Any reference to any person, organization, activity, product, and/or services does not constitute or imply an endorsement. First Financial Bank is not responsible for the content or security of any linked web page.