| Rewards | Earn 1 point for each $1 of net purchases posted to the account |
|---|---|
| Signup Bonus | 0% introductory APR for the first 12 billing cycles on purchases |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.49% (APR is subject to change) |
| Cash Advance Fee | Either $15 or 5% of the amount of each cash advance, whichever is greater |
| Late Payment Fee | Up to $37 |
| Purchases APR | 16.24%-23.24% APR, depending on your creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I've used this card for a few months cash back arrives reliably, and statements are easy to read. It's solid for everyday buys, thought the perks aren't exciting.
I’ve been using the First Federal Complete Rewards Visa for about 18 months. What I like: consistent rewards on all purchases (no crazy rotating categories), and the issuer has been solid in customer service (when I needed a replacement card, it arrived quickly).
What could improve: the rewards rate could be higher for premium spenders, and there are fewer “wow” perks like airport lounge access or high-end travel insurance. If you carry a balance, the interest rate is still high (as with most cards).
But for me, as someone who pays off monthly and uses the card for most of my bills/grocery shopping, this card hits nicely. I’ll rate it 4 stars.