Subject to credit approval. ¹Introductory APR of 1.99% on purchases and balance transfers made during the first 6 months after opening your account. After that, your APR will be from 13.25% to 23.25%, based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be from 21.75% to 26.75%, based on your creditworthiness at the time you opened your account. These APRs may vary with the market, based on the Prime Rate. Penalty APR of 29.99%. ²Visit http://www.rewardsfirstbank.com for details of the Rewards Program. ³The offer of 5,000 points is broken down as follows: 1,500 points after you spend $1,000 in purchases within the first 3 months of opening your account, 500 points by subscribing online http://www.rewardsfirstbank.com within the first 30 days from account opening, and 3,000 points for a balance transfer within the first 3 months from activating your account. This offer is valid only for new accounts. The date of the transaction will determine if it will qualify for the offer. If there is a delay in the submission of the transactions from the merchants to us, or if the date of the purchase is different from the date the transaction was made, and is after the 3 months of opening your account, that purchase will not qualify for the offer. In addition, if you return your purchase, it does not qualify for the offer. ⁴Fraud alerts apply only for transactions considered suspicious or fraudulent. You can receive fraud alerts by e-mail and/or text message as long as we have your information registered correctly in our systems and your service provider has the service available. ⁵The Samsung Pay, Android Pay, and Google Pay services are subject to provider terms and conditions. For more information click here. ⁶Insurances and services offered directly by Mastercard. Mastercard is a commercial LAC region association registered trademark and is used by the issuer under license.