Earn 20,000 Bonus Points*

when you spend $2,000 in 90 days!

Rewards Credit Card Benefits

Redeem your rewards points for $200 cash back, or your choice of gift cards, travel, merchandise or discounts at select stores.

0% introductory APR on all purchases for the first 12 billing cycles, then a variable rate between 17.74% and 23.74% APR*
No annual fee*
No limit on the number of points earned*

For every dollar spent, earn:

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3 Points*

for phone and streaming

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2 Points*

for dining, gas and EV charging

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1 Point*

for all other qualifying purchases

Need more information or looking for something else?

Call us at 888.MIDFIRST (888.643.3477) for personalized assistance.

Disclosure

*Rewards: Qualifying cardholders will receive 20,000 bonus points that can be redeemed for a $200 statement credit or used toward other rewards. See the MidFirst Rewards Terms and Conditions Summary in the Credit Card Application Disclosure for details. To qualify, cardholders must make an eligible purchase or purchases totaling $2,000 or more during the first 90 days after account opening. Eligible purchases do not include cash advances, balance transfers, interest charges, fees, or cash equivalent transactions, which are transactions performed using a merchant or service provider that Visa identifies as a seller of traveler’s checks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or similar products or services. Merchant refunds and credits will count against the total of purchases. Bonus points will be applied to the cardholder’s account within one to two statement cycles after qualification is met, as long as the qualifying account is open and not in default. Limit one bonus offer per customer and/or per account. Existing or previous cardholders may not be eligible for this one-time bonus offer.

Introductory Rate: In order to keep applicable introductory rates, you must make payments when due, stay within your credit limit and not have any payments dishonored for any reason. Please note that the introductory rates do not apply to cash advances.

APR and Fees: MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.74% and 23.74% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee for balance transfers is $10 or 3% of the amount of each. Rates apply to new accounts only and are accurate as of 12/1/2025.