| Rewards | Earn 3% cash back on gas purchases Earn 1% cash back on all other purchases |
|---|---|
| Signup Bonus | None. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 18.99% APR |
| Cash Advance Fee | 2% of the amount of the cash advance, with a $10 minimum fee. |
| Late Payment Fee | $18.50. |
| Purchases APR | 12.99% APR on purchases |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First Internet Bank Cashback Credit Card is a pretty straightforward no-annual-fee card aimed at drivers and everyday spenders. It’s best known for offering 3% cash back on gas purchases and 1% back everywhere else, without complicated rotating categories or reward tracking.
Most users say they appreciate the simplicity and low costs, especially the lack of an annual fee and relatively low purchase APR compared to many rewards cards. Many reviewers mentioned that longtime customers like the easy online banking experience and uncomplicated cashback structure.
On the downside, cardholders often point out that the rewards program feels limited by today’s standards. The 1% base earning rate is fairly basic, and there’s no major signup bonus, travel perks, or premium benefits. Some users also mention that the card doesn’t stand out much compared to larger national cashback cards with broader bonus categories.
Personally, I think this card works best for someone who wants a simple gas rewards card with a lower-interest focus rather than a flashy rewards product. It’s a decent fit for conservative spenders, but rewards enthusiasts can likely find stronger cashback options elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
C
Unexpectedly Rewarding
This card has been fantastic for my everyday spending. I earn rewards effortlessly, the app is smooth, and I actually fell like I'm getting something back every month. Simple, reliable, and genuinely satisfying to use.
J
Solid Cashback Option
I've been using this card for a few months, and it's been a dependable choice. Cashback posts quickly, the online portal is easy to navigate, and it makes managing expenses. Definitely a solid everyday card.
