find the card that fits you best

Our Visa® credit cards have competitive interest rates, no annual fee, and 0% APR on purchases and balance transfers for the first 12 months.1 You just have to decide which card is right for you.

There are no bad choices here

Some people want a lower interest rate. Some want rewards. Whichever category you fit in, we have a card for you. 

Visa Platinum
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Visa Rewards
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FC Cincinnati
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Introductory 0% APR on purchases and balance transfers 1
For the first 12 months after that, normal purchase and balance transfer APR will apply
Checkmark
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Annual fee
$0
$0
$0
Balance transfer and cash advance fee
2% or $10
2% or $10
2% or $10
Foreign transaction fee
$0
$0
$0
Non-promotional purchase and balance transfer APR
Prime +6.74% to 12.74% based on credit worthiness. These APRs will vary with the market based on the prime rate. 2
Prime +8.74% to 14.74% based on credit worthiness. These APRs will vary with the market based on the prime rate. 2
Prime +8.74% to 14.74% based on credit worthiness. These APRs will vary with the market based on the prime rate. 2
Rewards
No rewards
Earn points for every $1 in purchases. Redeem points for cash, merchandise, gift cards, statement credits, or travel. 3
Earn 1 point for every $1 in purchases. Redeem points for cash, merchandise, gift cards, statement credits, or travel. 3
FC Cincinnati benefits
Dash icon indicating feature doesn't apply
Dash icon indicating feature doesn't apply
Earn 10,000 bonus reward points ($100) when you spend $1,000 in the first three months. Plus, ticket & merchandise discounts and entries for promotional giveaways. 4

Know before you borrow

The credit-card-guru

Whether you’re focused on building credit or getting perks, consider these options when choosing the right credit card for you.

Woman holding three credit cards and selecting one from the middle

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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 on any other First Financial Bank credit card or loan. 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.

All credit cards are subject to credit review and approval.

2 APR varies with the prime rate based on the market and is subject to change without notice.

3 Earn 1 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. 

Earn 1 point per dollar of spend on FC Cincinnati Visa Platinum Rewards Card.

Points are earned based on qualifying net purchases using your First Financial Visa Platinum Rewards Credit Card, FC Cincinnati Platinum Rewards Card or Visa Signature Rewards 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.

4 Earn 10,000 bonus points once you spend $1,000 on qualifying purchases† in the first three (3) months after account opening. Ticket discounts valid for select home games and sections while supplies last. Merchandise for specialty items, like jerseys and cleats, are excluded from the discount. Merchandise discount is not available at the stadium on game days.

† A qualifying transaction shall mean every transaction that is charged to your eligible Visa Platinum credit card covered by the Rewards Program. No points are earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your account. Points, once earned, are valid up to 60 months and expire each March thereafter.

All credit cards are subject to credit review and approval.

Visa Terms & Conditions

Rewards Program Terms & Conditions

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