credit cards designed with you in mind

With 0% APR for the first 12 months and no annual fee, choosing the right credit card has never been easier.1

Smiling African-American woman making credit card purchase using tablet
Smiling African-American woman making credit card purchase using tablet

Why choose First Financial Bank credit cards?

Our Visa® credit cards make it easy to save money, maximize rewards, and pay down balances fast.

0% interest for 12 months1

Get 0% APR on all purchases and balance transfers for a year.1

$0 annual fee

No annual fee or foreign transaction fees.

Unlimited reward points

Get reward points on every purchase - $100 in value for every 10,000 points.

Connect with the right card

Looking for a lower interest rate or want to rack up rewards fast? Learn more about our credit cards and apply.

Build your credit with First Financial

With a secured Visa credit card, you can easily begin establishing or rebuilding your credit while having the convenient payment solution you need. Visit a financial center today and speak with a member of our team to get started.

First Financial credit card rewards

Earn rewards every time you use your First Financial credit card to buy groceries, put gas in your car, and make other purchases.

Visa Platinum and FC Cincinnati cardholders

Earn 1 point, equal to 1% for every dollar spent.

Visa Signature cardholders

Earn rewards faster with 1.25 points, or 1.25% for every dollar spent.

There’s no cap or limit on rewards, and they’re easy to redeem in real time for cash, gift cards, merchandise, and travel.

Learn more about credit and credit cards

How to pick a credit card

How is debt part of my life?

Frequently asked questions

We strive to make the application process as simple as possible. All you’ll need is:

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

Applying for and opening a new credit card does affect your score, along with your credit usage, payment history, and the overall age of your credit.

Manage your First Financial credit card account online at From here, you’ll be able to see account and reward balances, make payments, report your card lost or stolen, and redeem your points for cash, gift cards, and more.

Call the number on the back of your card or contact our Client First Center at 877.322.8100 to easily update your information. You can also send a written request to:

Card Services
P.O. Box 42070
Middletown, OH 45044

Request a PIN by calling the number on the back of your card.

We will send you a replacement shortly before your current card’s expiration date. If you don’t receive the replacement in time, you can call the customer service number on the back of your credit card and request a replacement.

Report a lost or stolen credit card by calling 877.339.4078, and we will deactivate your card immediately so no one can use it.

With Visa’s Zero Liability, you will not be held responsible for any purchases made if your card is lost or used without authorization.4

Call 877.339.4078 or login to online banking to request a balance transfer. You can submit up to three balance transfers in each session, but your transfer amount cannot exceed your total available credit, so it is important 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 you can receive for bank cash advance transactions.

Find your credit line on your statement, on your account details page at, or call the Client First Center at 877.322.9530.

You can request an increase in your credit limit on our website or by phone.

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

Yes, you can use your credit card at any ATM with the Visa logo. Your withdrawal will be converted at the foreign exchange rate in effect at the time of processing the charge. While we don’t charge a foreign transaction fee, there may be a cash advance fee charged to your account.

They are both revolving accounts that let you borrow money or make a purchase and pay it off over time. Credit cards typically have a simpler application process and offer more flexibility for purchases and repayment. A line of credit typically offers a larger credit line and is often used for big-ticket purchases like home remodels.

1 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.

2 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.

All credit cards are subject to credit review and approval.

3 Ticket discounts valid for select home games and sections while supplies last. Specialty items, like jerseys and cleats, are excluded from the merchandise discount. Merchandise discount is not available at the stadium on game days.

4 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 financial 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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