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6877 North High Street
Worthington, OH 43085
(614) 310-7200
Services » Personal Banking » Credit Cards

Credit Cards

Credit Cards from Columbus First Bank

  • Low interest rates
  • No annual fees
  • 2.9% APR introductory rate1
  • Free online banking
  • Free online account management
  • Earn rewards

In today's electronic economy, credit cards have become a necessity for people to make purchases and help manage expenses.

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Our Visa® and Mastercard® options feature both a low introductory rate and low ongoing APR on your purchases and balance transfers, providing the control and cash management power you need.

Cards to fit your needs

Looking for a lower rate? Or would you rather be rewarded for your spending? Columbus First lets you choose.

Compare Columbus First Credit Cards

  Low Rate Cards* Preferred Points Cards*
Annual Percentage Rate (APR) for Purchases 2.9% introductory APR for six months. After that, your APR will be 10.24%. The APR will vary with the market based on the Prime Rate.b 2.9% introductory APR for six months. After that, your APR will be 15.24%. The A PR will vary with the market based on the Prime Rate.a
APR for Balance Transfers and Cash Advances 2.90% introductory APR for six months. After that, your APR will be 10.24%. This APR will va ry with the market based on the Prime Rate.b 2.90% introductory APR for six months. After that, your APR will be 15.24%. This APR will vary with the market based on the Prime Rate.a
Penalty APR and When It Applies

19.24% - This APR will vary with the market based on the Prime Rate.c This APR m ay be applied if you allow your Account to become 60 days past due.

How Long Will the Penalty Apply? If your A PR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payment s when due.
How to Avoid Paying Interest on Purchases Your date is at least 25 days after the close of each billing cycle. We will not charge you a ny interest on purchases if you pay your entire balance by the due date each month.
Fees
Annual Fee None None
Transaction Fees:
    Balance Transfer a nd Cash Advance

    International Transaction

Either $10 or 3% of the amount of each balance transfer or each cash advance, whichev er is greater.

2% of each transaction in U.S. Dollars.
Penalty Fees:
    Late Payment

    International Transaction

$25

$25
Other Fees:
    Pay-by-Phone

Up to $10 for agent assisted payments.

How We Will Calculate Your Balance: We use a method called “average daily balance (incl uding new purchases).” See your account agreement for more details.

Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the bas e rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. T he Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will ta ke effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases i n the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on t he Account. As of December 24, 2012, the Index was 3.25%.

a We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.

b We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. T he Account will never have an APR over 21%.

c We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%.

The issuer and administrator of the credit card program is TIB-The Independent BankersBank. The information about the C ost described in this table is accurate as of January 1, 2013. This information may change after that date. To find out what may have changed, call TIB at 800-367-7576.

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