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MidFirst Bank Rewards Credit Card

3.9WalletHub Rating

WalletHub Rating

3.9

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.

Market Comparison

3.9

fees: 4.0

rewards: 5.0

cost: 4.0

APR: 3.5

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WalletHub Rating

3.9/5

MidFirst Bank Rewards Credit Card has a rating of 3.9/5 according to our proprietary credit card rating system. This rating reflects how appealing MidFirst Bank Rewards 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 'Finance New Purchases'. To break it down further, MidFirst Bank Rewards Credit Card earned a score of 4.0/5 for Fees, 5.0/5 for Rewards, 4.0/5 for Cost, and 3.5/5 for APR. Info about the MidFirst Bank Rewards 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 4.0/5

Rewards 5.0/5

Cost 4.0/5

APR 3.5/5

KEY TERMS

Excellent Credit, Good Credit

Annual Fee

APR on Purchases

0% intro APR for 12 months, 17.49% - 23.49% (V) APR after that

Balance Transfer

0% intro APR for 12 months, 17.49% - 23.49% (V) APR after that

Balance Transfer Fee 3% (min $10)

Rewards

Earn 20,000 points (redeemable for a $200 statement credit) after spending $2,000 within the first 90 days.

Earn 3 points per $1 spent on phones and streaming (up to $10,000 spent each calendar year).

Earn 2 points per $1 spent on dining, gas, and EV charging (up to $10,000 spent each calendar year).

Earn 1 point per $1 spent on all other purchases.

Choose from merchandise, gift cards, travel, cash back and more.

MidFirst Bank Rewards Credit Card's Additional Info

Safe and secure spending with the Visa Zero Liability Policy.

Learn More

at MidFirst Bank's secure site

MidFirst Bank Rewards Credit Card Pros & Cons

No membership fees

0% intro APR on purchases

0% intro APR on balance transfers

High rewards rate

Spending caps on rewards

Balance transfer fee

High regular APR

Foreign fee

Compare The MidFirst Bank Rewards Credit Card vs. Popular Alternatives


3.9WalletHub Rating WalletHub Rating 3.9 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. Market Comparison 3.9 fees: 4.0 rewards: 5.0 cost: 4.0 APR: 3.5	4.5WalletHub Rating WalletHub Rating 4.5 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 "Lower Cost of Existing Debt." 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 5.0 User Reviews 3.4 Market Comparison 4.5 fees: 5.0 cost: 4.4 APR: 4.4	4.2WalletHub Rating WalletHub Rating 4.2 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 5.0 User Reviews 3.6 Market Comparison 4.2 fees: 3.8 rewards: 4.3 cost: 4.6 Other Features: 0.0
(0)	(2,256)	(918)
annual fee$0	annual fee$0	annual fee$0
Purchase Intro APR0% for 12 months	Purchase Intro APRNot Offered	Purchase Intro APR0% for 15 months
transfer intro apr0% for 12 months\|Transfer Fee: 3% (min $10)	transfer intro apr0% for 18 months\|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer	transfer intro apr0% for 15 months\|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR17.49% - 23.49% (V)	Regular APR17.49% - 27.49% (V)	Regular APR18.24% - 27.74% (V)
rewards rate 1 - 3 points / $1	rewards rate 2 - 5% Cash Back	rewards rate 1.5 - 5% Cash Back
bonus offer20,000 points	bonus offer $200	bonus offer $200
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about MidFirst Bank Rewards 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.

Upvotes

Is the MidFirst Bank Rewards Credit Card secured or unsecured?

John Miller, Credit Cards Moderator

The MidFirst Bank Rewards Credit Card is unsecured, not secured. Unlike secured cards, the MidFirst Bank Rewards Credit Card does not require a refundable security deposit to open an account. Instead, approval is determined based on other factors, including your credit history and income.

Designed for applicants with good credit, the MidFirst Bank Rewards Credit Card offers 1 - 3 points per $1 spent on purchases and has a $0 annual fee. It is a solid option for people who are looking to earn rewards on dining, gas or streaming services.

If your credit is not in good standing, you're probably better off with a secured card. You can check out our editors' picks for the best secured credit cards on the market to find the right fit.

MidFirst Bank Rewards Credit Card Reviews

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: Regions Life Visa® Credit Card and MidFirst Bank Rewards Credit Card.

Offer last updated: Jun 23rd, 2026 at 18:49 ET

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MidFirst Bank Rewards Credit Card

MidFirst Bank Rewards Credit Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

MidFirst Bank Rewards Credit Card's Additional Info

MidFirst Bank Rewards Credit Card Pros & Cons

Compare The MidFirst Bank Rewards Credit Card vs. Popular Alternatives

Questions & Answers

Is the MidFirst Bank Rewards Credit Card secured or unsecured?

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