1 The Annual Percentage Rate (APR) is a variable rate based upon an index and a margin. The APR will vary with the Prime Rate (the index) as published in the Wall Street Journal. The introductory rate is a discounted variable APR and is based on Prime minus 1.26%, and will remain in effect for twelve months after loan origination. After this, the variable rate APR will range from Prime + .74% to Prime + 1.74%, depending on the applicant’s credit score. As of March 17 2017, the APR ranges from 4.74% to 5.74%. The APR may increase but will not exceed 18% in CA, 20% in MO & IL. Offer based on auto-debit of payments from a First Bank checking account. If not auto-debiting payments from a First Bank checking account add .75% to both the introductory rate and the permanent rate. In CA – an Annual Fee of $50 applies after the first year. Expires 6/30/17. Member FDIC
2 Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express is a federally registered service mark of American Express, used by First Bankcard, a division of First National Bank of Omaha, pursuant to a license from American Express. See the Rewards Terms and Conditions in the Summary of Credit Terms, provided at time of application, for details. Your % back rewards are earned as points.
3 Complete details, including restrictions, limitations and exclusions will be available when you become a card member.
4 You may be charged a fee by the non-First Bank ATM operator or network.