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credit cards designed with you in mind

With 0% APR for the first 12 months and no annual fee, choosing the right credit card has never been easier.1

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Smiling African-American woman making credit card purchase using tablet
Smiling African-American woman making credit card purchase using tablet

Why choose credit cards from First Financial Bank?

Our Visa® credit cards make it easy to save money, maximize rewards, and pay down balances fast.

0% interest for 12 months1

Get 0% APR on all purchases and balance transfers for a year.1

$0 annual fee

No annual fee or foreign transaction fees.

Unlimited reward points

Get reward points on every purchase - $100 in value for every 10,000 points.

Connect with the right card

Looking for a lower interest rate or want to rack up rewards fast? Learn more about our credit cards and apply.

Visa Platinum Rewards2

Lower interest rates and reward points on every purchase provide the convenience and value you want in a credit card.

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Visa Signature2

Access a higher credit limit and earn 1.25 reward points on every dollar spent and redeem them for cash, gift cards, travel, and so much more.

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Visa FC Cincinnati

Cincinnati soccer fans, show your love for FC Cincinnati with this branded card and use it at TQL Stadium for your First Drink on Us.3 Outside the stadium, earn points with every purchase. 3 points per dollar at grocery stores, 2 at restaurants, and 1 everywhere else.2

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Build your credit with First Financial

With a secured Visa credit card, you can easily begin establishing or rebuilding your credit, while having access to the convenient payment solution you need. Visit a financial center today and speak with a member of our team to get started.

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First Financial Credit Card rewards

Earn rewards every time you use your First Financial credit card to buy groceries, put gas in your car, and make other purchases.

Visa Signature cardholders

Earn rewards faster with 1.25 points, or 1.25% for every dollar spent.

Visa Platinum cardholders

Earn 1 point, equal to 1% for every dollar spent.

FC Cincinnati cardholders

Get discounts on FC Cincinnati tickets, merchandise4, and your First Drink on Us!3

There’s no cap or limit on rewards, and they’re easy to redeem in real time for cash, gift cards, merchandise, and travel.

Learn more about points

Need help finding the right card or requesting a credit line increase?

Apply now and find out which First Financial credit card best meets your needs. If you already have a card but want to request a credit limit increase - we can help with that too.

 

Apply now Request a line increase

Learn more about credit and credit cards

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How to pick a credit card

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Frequently asked questions

We strive to make the application process as simple as possible. All you’ll need is:

  • Full name
  • Physical address (no P.O. boxes)
  • Date of birth
  • Social Security number
  • Estimated annual income before taxes

Applying for and opening a new credit card does affect your score, along with your credit usage, payment history, and the overall age of your credit.

Manage your First Financial credit card account online at ezcardinfo.com. From here, you’ll be able to see account and reward balances, make payments, report your card lost or stolen, and redeem your points for cash, gift cards, and more.

Call the number on the back of your card or contact our Client First Center at 877.322.8100 to easily update your information. You can also send a written request to:

Card Services
P.O. Box 42070
Middletown, OH 45044

Request a PIN by calling the number on the back of your card.

We will send you a replacement shortly before your current card’s expiration date. If you don’t receive the replacement in time, you can call the customer service number on the back of your credit card and request a replacement.

Report a lost or stolen credit card by calling 877.339.4078, and we will deactivate your card immediately so no one can use it.

With Visa’s Zero Liability, you will not be held responsible for any purchases made if your card is lost or used without authorization.4

Call 877.339.4078 or login to online banking to request a balance transfer. You can submit up to three balance transfers in each session, but your transfer amount cannot exceed your total available credit, so it is important to plan for applicable fees and interest charges, as well as any pending purchases, advances, or transfers when determining your transfer amount.

The cash credit line is the maximum available credit you can receive for bank cash advance transactions.

Find your credit line on your statement, on your account details page at ezcardinfo.com, or call the Client First Center at 877.322.9530.

You can request an increase in your credit limit on our website or by phone.

First Financial Bank does not charge fees for using your credit card for foreign currency transactions. Any foreign purchases will be converted at the foreign exchange rate in effect at the time of processing the charge.

Yes, you can use your credit card at any ATM with the Visa logo. Your withdrawal will be converted at the foreign exchange rate in effect at the time of processing the charge. While we don’t charge a foreign transaction fee, there may be a cash advance fee charged to your account.

They are both revolving accounts that let you borrow money or make a purchase and pay it off over time. Credit cards typically have a simpler application process and offer more flexibility for purchases and repayment. A line of credit typically offers a larger credit line and is often used for big-ticket purchases like home remodels.

1 Annual Percentage Rate (APR) will be 0% for all purchases made and balance transfers completed during the first 12 months after account opening (“Promotional Period”). Offer valid on purchase and balance transfers only. You cannot use cash advances, or balance transfers to pay an existing balance on other First Financial Bank credit cards or loans. No interest will be due on purchases made and balance transfers completed during the Promotional Period, if the purchases and balance transfers are paid in full prior to the end of the Promotional Period. After the Promotional Period ends, the APR will be 16.24–22.24%, which may vary with the market based on the Prime rate.

2 Earn one point per dollar of spend on Visa® Platinum with credit lines up to $4,999. Credit lines of $5,000 or more will be automatically upgraded to the Visa Signature Rewards card and earn 1.25 points per dollar of spend.

Points are earned based on qualifying net purchases using your First Financial Visa Platinum Rewards Credit Card, Visa Signature Rewards Credit Card, or Visa FC Cincinnati Credit Card. Qualifying purchases are defined as purchases minus returns and/or other related credits. The account must be in good standing to earn points. Accounts do not earn points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind. Credits to your account (such as returns of purchases) will reduce the points available in your account. Points expire after 60 months. Subject to credit approval. See full rewards terms and conditions for the Visa Platinum Rewards Credit Card, Visa Signature Rewards Credit Card, and Visa FC Cincinnati Credit Card.

All credit cards are subject to credit review and approval. A First Financial Bank deposit account is required for approval on lines over $5,000.

3 FC Cincinnati Credit Card holders will receive a $12 reimbursement returned as a credit to their FC Cincinnati Credit Card within 7-10 business days when they make a food or beverage purchase in the stadium using their FC Cincinnati Credit Card. Limit one $12 credit per home game. Offer valid for all FC Cincinnati Home Games played at TQL Stadium. Purchases in team shop do not apply. We may deduct all, or a portion of any awarded $12 credit if a food or beverage purchase transaction is refunded/returned, when your total food or beverage purchase amount does not exceed $12, or in cases we believe fraudulent activity has occurred. First Financial Bank reserves the right to change or end this offer at any time.

4 Discount excludes jersey customization and already discounted items.

5 Visa’s® Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. Individual replacement fund amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before replacement funds may be issued. For specific restrictions, limitations, and other details, please visit your local financial center or call our Client First Center.

Disclaimer: First Financial Bank is solely and exclusively responsible for the establishment, maintenance, and administration of the above referenced program. Fussball Club Cincinnati, LLC, Levy Premium Foodservice Limited Partnership, Major League Soccer, L.L.C., and Soccer United Marketing, LLC (collectively, the “League Parties”), do not assume any liability or responsibility for the administration, operation, or outcomes of the promotional program utilizing our marks, which is conducted by First Financial Bank. While our marks may be used in association with the program, the League Parties shall not be held accountable for any errors, omissions, delays, or damages arising from the organization or execution of the program by First Financial Bank. Participation in the program is at the sole discretion and risk of the participants, and any grievances or disputes related to the program must be addressed directly with First Financial Bank. The League Parties disclaim all warranties, express or implied, regarding the program and shall not be liable for any direct, indirect, incidental, special, or consequential damages as a result from or in connection with the program, including but not limited to loss of profits, loss of data, or interruption of business. By participating in the program, participants acknowledge and agree to release, indemnify, and hold harmless the League Parties and their affiliates, officers, directors, employees, and agents from any and all claims, liabilities, damages, losses, costs, or expenses, including legal fees, arising out of or related to their participation in the program.

Visa Terms & Conditions

Rewards Program Terms & Conditions

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