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MidFirst Bank Credit Cards

Low Rates, High Rewards

Choose the MidFirst Bank credit card that best fits your needs and your lifestyle. Built on convenience, service and benefits, a MidFirst Bank credit card can be true to your financial life.

Gray MidFirst Bank credit card with the words "rewards" in the top right corner

Apply for a Rewards Credit Card
Rewards Card Details

Rewards Credit Card

No Annual Fee and Rewards for Everyday Purchases*

3x points for phone and streaming

2x points for dining, gas and EV charging

1x points for all other qualifying purchases

Introductory Bonus Offer: Earn 20,000 bonus points when you spend $2,000 in the first 90 days*

Multiple card designs available!

0% introductory APR for the first 12 billing cycles*

After that, your rate will be based on your creditworthiness (between 17.49% and 23.49%) and will vary based on the prime rate (up to 24.99%).

A gray Visa credit card that says "platinum"

Apply for a Platinum Credit Card
Platinum Card Details

Platinum Credit Card

Spend With Confidence

  • A lower APR card
  • No annual fee*

Multiple card designs available!

0% introductory APR for the first 12 billing cycles*

After that, your rate will be based on your creditworthiness (between 13.49% and 21.49%) and will vary based on the prime rate (up to 24.99%).

Apply in Banking Center
Secured Card Details

Secured Credit Card

Steady, Secure Growth for Your Path

  • A perfect card for those looking to build or rebuild credit
  • Credit limits range from $300 to $5,000
  • Secured by a MidFirst savings account


Your Fandom in Your Wallet

Show off your team spirit with a MidFirst Bank credit card. MidFirst is proud to offer multiple team card designs to choose from.

A blue visa rewards credit card with the OKC Thunder logoA crimson Visa credit card with the OU logoA black Visa credit card with a graphic of Pistol PeteA blue Visa rewards credit card with the UCO logo


Apply for a Credit Card

MidFirst Bank Credit Cards Offer Even More Features

Convenience

Security

  • EMV chip card security provides the latest in fraud prevention technology
  • Your MidFirst Bank credit card is covered by the Visa® Zero Liability Policy, which provides you protection against unauthorized purchases*
  • Fraud Text Alerts — receive a Fraud Text Alert on your mobile device if suspicious activity occurs

Service

  • Call our customer service line or visit with your personal banker if you have questions about your account 

Additional Information

View the Cardholder Agreement for general terms, interest rates and fee information.

For existing cardholders: To request a copy of your cardholder agreement and terms, please submit the form on this page or call us at 866.762.0492.

Frequently Asked Questions

A credit card provides a revolving line of credit you can use for purchases, balance transfers or cash advances. You borrow funds from the issuer and repay them later. If the full balance isn’t paid by the due date, interest is charged based on the card’s APR. Credit cards also come with features such as rewards programs, fraud protections and flexible payment options.

A secured credit card requires a refundable security deposit, which typically sets your credit limit. It works like a traditional card for purchases but is designed for individuals with limited or damaged credit. Responsible use — making on time payments and keeping balances low — can help build or rebuild credit over time.

To get the most out of your rewards card:
  • Use the card for purchases in bonus categories that match your spending habits
  • Pay your balance in full to avoid interest that negates rewards
  • Take advantage of sign up bonuses by meeting required spending thresholds
  • Redeem rewards strategically for higher value options such as travel or statement credits

Credit cards influence several factors that determine your credit score:
  • Payment history: On time payments boost your score; late payments hurt it.
  • Credit utilization: Using a low percentage of your available credit can help; generally, aim for under 30%.
  • Length of history: Older accounts benefit your score.
  • Credit mix and new credit: Opening accounts may cause temporary dips but can help long term.

APR (Annual Percentage Rate) is the cost of borrowing money on your credit card. If you carry a balance past the due date, interest is calculated — usually daily — based on the APR. Paying your full statement balance each month prevents interest charges entirely.

Balance transfers let you move debt from one card to another, often with a low or 0% introductory APR for a limited time. This can save money on interest, but:
  • Transfer fees (typically 3–5%) may apply
  • The promotional rate expires after a set period
  • Payments usually apply to the lowest interest balance first

Act quickly:
  • Contact your card issuer to freeze or replace your card.
  • Review recent transactions and report any unauthorized charges. (Most issuers offer zero liability protection, so you won’t be responsible for fraudulent purchases when reported promptly.)
  • Update billing information for recurring payments.