The CoreFirst Bank & Trust Visa Platinum Card is a good credit card to consider if you have an excellent credit score (750+) and you want a low APR that lasts longer than the length of a new-cardholder promotion. This card does have a low-interest promo to start, but it’s replaced by a regular APR that’s much lower than average. 

The downsides to this offer include paltry rewards, a balance transfer fee, and the fact that the promo rate doesn’t get down to 0% (or last all that long). With those things in mind, you should compare your options thoroughly before you apply, just to make sure you can’t save more with another card. Our editors’ picks for the credit cards with the best rates are a good starting point. 

What I Like About the CoreFirst Bank & Trust Visa Platinum Card

Intro APR of 1.9% for 6 months

This can certainly save you a lot of money compared to most credit card APRs, seeing as some cards charge over 30% right now. That said, it doesn’t stack up as well against 0% intro APR credit card offers. The average 0% period lasts for 12 months, according to WalletHub research, and the best options are interest-free for 21-24 months. 

So, if you need to avoid interest entirely for a very long time, better alternatives are out there. But if you’re fine with a very low intro rate followed by a low regular APR, this is a good choice. 
 

Low regular APR

The CoreFirst Bank & Trust Visa Platinum Card’s regular APR is 10.00% (V), and it applies to any balance you carry from month to month after the introductory promotion expires. This is one of the lowest APRs on the market right now. In fact, the average APR is more than twice as high. 

This makes the card a good fallback option for people who find themselves temporarily needing to carry a balance somewhat regularly. If you only need to do so once in a blue moon, you can hopefully plan far enough ahead to get a 0% card for the job. 
 

$0 annual fee

The last thing you probably want to do when you’re trying to avoid interest charges is pay a lot in fees. So, it’s good that you can use the CoreFirst Bank & Trust Visa Platinum Card without paying any membership charges. This saves you $27.85 per year compared to the average credit card offer, too. 

What I Don’t Like About the CoreFirst Bank & Trust Visa Platinum Card

Minimal rewards

You’ll earn just 1 point per $1 spent on all purchases with this card. That’s the minimum rewards rate for most credit cards. You can usually earn at a much higher rate in select categories with other cards. 
 

3% (max $50) balance transfer fee

Some cards with a low intro APR won’t charge a balance transfer fee. That’s not the case here, however, so make sure to factor in the fee when you’re crunching the numbers to see if a transfer makes sense. You can use WalletHub’s balance transfer calculator for that. 
 

Excellent credit required

Most people won’t be able to qualify for this card, unfortunately. Since it requires excellent credit for approval, we recommend applying only if your credit score is 750 or higher. If you don’t know what your score is, you can get your free credit score right here on WalletHub. You can also check out our editors’ picks for the best credit cards by credit level if you’re interested in alternatives.