Rated 3/5 stars by our editorial team
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This plastic doesn’t have lots of bells and whistles. But it does offer an affordably priced card with solid benefits – which may make First Option your preferred option.
The card is plain vanilla in most respects, but has lower fees and rates than do most of the credit cards that are issued these days. That in itself is a big plus if you intend to carry a balance.
The APR for cash advances is 18%, and there is a cash advance surcharge of either $5 or 2% per transaction, whichever is greater. There is also a 2% foreign transaction fee.
Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.