First Financial Bank Platinum Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The First Financial Bank Platinum Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersNo initial rewards bonusBalance transfer feeForeign feeRequires excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
First Financial Bank Platinum Credit Card has a rating of 2.8/5 according to our proprietary credit card rating system. This rating reflects how appealing First Financial Bank Platinum Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards'. To break it down further, First Financial Bank Platinum Credit Card earned a score of 3.8/5 for Fees, 2.2/5 for Rewards, and 3.0/5 for Cost. Info about the First Financial Bank Platinum Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
Fees 3.8/5
Rewards 2.2/5
Cost 3.0/5
Other Features 0.0/5
KEY TERMS
Credit Score
Credit Score
Excellent Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 months, 15.49% - 24.99% (V) APR after that
Balance Transfer
0% intro APR for 6 months, 15.49% - 24.99% (V) APR after that
Balance Transfer Fee:3% (max $100)
Rewards
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.
First Financial Bank Platinum Credit Card's Additional Info
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
2.8
fees: 3.8
rewards: 2.2
cost: 3.0
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.7
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.3
rewards: 5.0
cost: 4.3
APR: 3.8
(5)
(444)
(2,948)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 6 months
Purchase Intro APR0% for 12 months
Purchase Intro APR0% for 15 months
transfer intro apr0% for 6 months|Transfer Fee:3% (max $100)
transfer intro apr0% for 12 months|Transfer Fee:3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
Regular APR15.49% - 24.99% (V)
Regular APR18.49% - 28.49% (V)
Regular APR19.49% - 28.49% (V)
rewards rate 1.5 points / $1
rewards rate 1 - 8% Cash Back
rewards rate 1 - 3% Cash Back
bonus offerNone
bonus offer $200
bonus offer As High As $200 Cash Back. Find Out Your Offer.
Can't find what you are looking for? Submit your question about First Financial Bank Platinum Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. 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.
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.
Share your insights and review for the First Financial Bank Platinum Credit Card
5
20%
4
60%
3
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2
20%
1
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3.8
5 reviews
5 reviews
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Hannah L Gore @a1pha_1031_om3ga
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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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Shakia Giddiens-Dugue @shakia_dugue
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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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Therisa Campbell @therisa.campbell.9
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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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Randy Swan @randy.swan
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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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+ 1 WalletHub user submitted a rating without writing a full review
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