| Rewards | There is no rewards program associated with this card |
|---|---|
| Signup Bonus | 0% APR for 9 months on balance transfers |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.25% Variable APR |
| Cash Advance Fee | $5 or 5% of the amount of each advance, whichever is greater |
| Late Payment Fee | Up to $30 |
| Purchases APR | 13.74% Variable APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Firstrust Platinum Visa Credit Card is a fairly old-school credit card that focuses on low-cost borrowing rather than flashy perks. It stands out for its $0 annual fee and introductory 0% APR on balance transfers for nine months, making it more of a debt-management tool than a rewards card.
Most users say they appreciate the straightforward approach. Many reviewers mentioned that the lack of an annual fee and the promotional balance transfer offer can be helpful for consolidating debt or financing a large purchase. Existing Firstrust customers also tend to value the bank’s personalized customer service and community-bank feel.
On the flip side, many users point out what’s missing: there are no rewards, no sign-up bonus, and virtually no travel or lifestyle perks. Some reviewers feel larger issuers offer more compelling long-term value, especially for everyday spending.
Personally, I think this card is best suited for someone who prioritizes saving on interest rather than earning points or cash back. If your goal is to pay down balances without paying an annual fee, it’s worth considering. But if you want rewards or premium benefits, you’ll likely find stronger options elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
J
Not what I Expected
I really wanted to like this card, but the rewards felt underwhelming and the customer service line kept bouncing me around. It works for basic purchase, but it hasn't lived up to the platinum label for me.
