| Rewards | Earn 3 points per $1 on eligible phone and streaming purchases, 2 points per $1 on dining, gas stations, and EV charging purchases, and 1 point per $1 on all other eligible purchases. Points can be redeemed for cash back, travel, gift cards, merchandise, and other redemption options. |
|---|---|
| Signup Bonus | Earn 20,000 bonus points after spending $2,000 within the first 90 days of account opening (offer terms may vary). |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable APR applies |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | Variable APR based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The MidFirst Bank Rewards Credit Card is a no-annual-fee rewards card designed for everyday spending, offering bonus points on categories like phone and streaming services, dining, gas, and EV charging. It also includes a welcome bonus for new cardholders who meet the spending requirement, making it a straightforward option for customers who prefer earning points without paying an annual fee.
Most users say they like the simple rewards structure and appreciate that bonus categories cover common household expenses. Many reviewers mentioned that the card is especially convenient for existing MidFirst Bank customers who want to keep their banking and credit card accounts together.
On the downside, some users point out that the rewards rates may not compete with top-tier cash-back cards that offer higher returns or more flexible benefits. Others mention that the card lacks premium perks such as travel protections, airport benefits, or enhanced redemption options.
Personally, I think the MidFirst Bank Rewards Credit Card is a solid choice for MidFirst customers who want an easy-to-manage rewards card with no annual fee. For those focused on maximizing rewards across every category, however, other cash-back or travel cards may provide more value.
RATE THIS CREDIT CARD
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Fantastic Rewards Card for everyday use
I use this card for groceries and online shopping, and the points add up quickly. Payments are easy to manage through their app, and customer service has consistently helpful. Highly recommend it.
