Disclosure
*Terms and Conditions of Offer: This offer is valid for new credit card accounts only.
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. 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 are 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 the 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: The 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 transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account may be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of December 1, 2025.
Zero Liability: Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify MidFirst Bank promptly of any unauthorized use. For specific restrictions, limitations, and other details, please call 888.MIDFIRST (888.643.3477).
Online and Mobile Services: Services offered are subject to their respective terms and conditions, and availability may vary by device.
