Consumer Credit Card


We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do. 

  • Personal Card - Low Rate

    Features

    • No annual fee.
    • Low introductory rate for the first six months.1
    • Competitive ongoing APR. 1
    • 25-day interest-free grace period on all purchases. No grace period on cash advances.

    Benefits

    • 24-hour toll-free live customer assistance available at 800-367-7576.
    • Car rental insurance coverage and a host of extraordinary Mastercard® benefits.
    • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

    Fees

  • Personal Card - World/Preferred Points Rewards

    Features

    • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
    • Low introductory rate for first six months. 1
    • Competitive ongoing APR. 1
    • No annual fee.
    • 25-day interest-free grace period on all purchases. No grace period on cash advances.

    Benefits

    • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
    • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
    • 24-hour toll-free live customer assistance available at 800-367-7576.
    • Car rental insurance coverage and a host of extraordinary Mastercard benefits.
    • Unlike some card offers, the APR 1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

    Fees

  • Apply Now

    Provide the completed application to your local branch, or email the application to CustomerCare@FirstChoiceBankCA.com.

     

    1Please see application for information about current APRs and fees.