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5 Star Rating
Good card to help starting to build credit from scratch. Low credit limit which helps not to overspend, perfect card for students, college students... Great for gas and small purchases to be paid off every month.
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Updating Results
Purchase Intro APR0% for 6 months
Transfer Intro APR0% for 6 months|Transfer Fee: 3% (max $100)
Regular APR15.49% - 24.99% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
0% for 6 months|Transfer Fee: 3% (max $100)
Regular APR
15.49% - 24.99% (V)
annual fee
$0
rewards rate
1.5 points / $1
minimum credit
Excellent
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
Cons
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
- Requires excellent credit
Read our editor's full First Financial Bank Platinum Credit Card review.
Rewards Details
- Earn 1.5 points for each dollar spent.
- Get 500 bonus rewards points if you sign up to receive your monthly credit card statement electronically.
Additional Info
- Zero Fraud Liability Protection.
- Auto rental collision damage waiver.
- $1,000,000 Travel accident insurance.
- Price protection and Extended warranty.
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First Financial Bank Credit Card Reviews
3.6
9 reviews
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1 Star Rating
I have been a customer for 15 years and they treat me worse every year. They have decided to charge a $55 yearly fee just to be a member. I did not agree to this. They will close my account if I don't pay. I have a 755 credit score and no late payments but my APR has been raised to 31 PERCENT! don't believe their introductory hype.
Product: First Financial Bank Credit Cards
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4 Star Rating
I honestly just recently received this card a couple of months ago, but I think it has many advantages. The fees are low, the percentage rates are low and it has a rewards feature. This card is being used for my daughter who just started college and so far she has had no issues with the card. Although the credit limit was not very high this is suitable for both of our daily needs to purchase ordinary items. I am in hopes that the credit limit will increase after 6 months of on-time payments. My contact with customer service has been favorable up to this point and I hope to continue to use their services for years to come.
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4 Star Rating
I have own this card for over 5 years, and has not has a problem with, I use it anywhere and everywhere, whenever I used the card for multiple purchases in one day, they always call to verify and make sure I was the one making the purchases, the company is not that popular but they seem reliable. As a student it’s a great card for me to continue building my credit on a budget, I am able to keep up with my payments. The customer service is good, and the agents are very polite and helpful when you need help. So far I have no complaints.
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4 Star Rating
This was my first credit card as well. I was a little late to the game with getting a credit card, but my age was no concern for First Financial Bank. They have a great card, but there is no rewards program and they haven't seemed to adapt well to the new credit card market as it has grown and changed. As a result I find myself using their card less and less. One thing that has turned me further away is also the annual fee that they charge, which makes things a lot more frustrating. I have to call them at least once a year to ask them to remove the charge, which takes time out of my schedule and feels like a waste of time to me. Also, I've never been late on a payment but they have given me a rate of 29.99%. It seems unfair and the only reason that I still have the card is because I need the longer credit history to stay. Unfortunately, I can't recommend this card past just being a starter-style credit card for students or late bloomers like myself!
Product: First Financial Bank Credit Cards
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4 Star Rating
This credit card was my very first credit card and has served me well for 7 years. I received the application the day I turned 18 and it was sitting in my wallet 2 weeks later. This particular card and program was very beneficial to me as a young card holder because I was allowed to set my max credit limit to $100 and as long as the balance stayed below the $100 threshold, I didn't pay interest. It worked well as a gas and emergency card and allowed me to immediately start building a credit score which would prove useful a few years later when I went to apply for student loans. Their customer service is good and they are willing to work with you to iron out a payment plan should things become out of control.
Product: First Financial Bank Credit Cards
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4 Star Rating
I have had no problems with my 1st Financial credit card. Though the company seems a little sketchy, the card is reliable and I have had very little trouble with them. When I had a mini shopping spree for the very first time, they called me immediately to ensure I was the one making these purchases. I have been with this card for over a year now, and while I would like to move to a bigger-name credit card, I have no complaints.
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First Financial Bank Credit Card Q&A
Get answers to your questions about First Financial Bank Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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0
UpvotesWhat is the First Financial Bank Platinum Credit Card credit score requirement?
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Chip Lupo
The First Financial Bank Platinum Credit Card credit score requirement is 750 or higher. That means people with excellent credit may have a decent shot at getting approved for the First Financial Bank Platinum Credit Card. You can check your credit score for free here on WalletHub to see if you qualify.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the First Financial Bank Platinum Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
0
UpvotesDoes First Financial Bank do a hard pull for credit card applications?
Reply
John Miller
Yes, First Financial Bank does a hard pull for credit card applications whenever you apply for one of their credit cards. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows First Financial Bank to determine your credit risk and ultimately decide whether you'll be approved for an account.
First Financial Bank credit cards require anywhere from bad...
0
UpvotesWhat credit score do you need for a First Financial Bank credit card?
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John Miller
You need a credit score of 640 or better for the best First Financial Bank credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from First Financial Bank with a bad credit score, for example.
First Financial Bank Credit Score Requirements by Card
- First Financial Bank Secured Credit Card: 300+ (Bad credit)
- First Financial Bank Business Credit Card: 640+ (Fair credit) ...
0
UpvotesHow long does it take to get approved for a First Financial Bank credit card?
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John Miller
It can take 3-5 business days to get approved for a First Financial Bank credit card. If your application gets rejected, it should take an additional 7 to 10 business days to receive a letter in the mail explaining why.
You can check your First Financial Bank credit card application status by calling the customer service line at (800) 511-0045. If your application is approved, you can expect your new card to arrive by mail within 7-10 business days...
0
UpvotesWhat are dollar limits on your credit cards?
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WalletHub
The limits on credit cards are different for each person depending on their specific financial situation.
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