Credit 101

Choosing the right college is one of the most important life and financial decisions you'll make. 1st Financial Bank USA (1FBUSA) believes students who choose colleges wisely will also want to learn how to use a credit card wisely. We want to be your bank of choice to support you along the way. Click each lesson to watch its corresponding video.

1. What is a Credit Card?
2. How Real Students Use a
Credit Card in College
3. The Talk: What is a
Credit Score?
4. How to Choose a Credit
Card for College
5. Benefits of a 1FBUSA
Credit Card

Discover the

We're proud to say that many satisfied customers stay with us for years. Our credit cardholders enjoy the following benefits:

Use the card responsibly and you’ll start to grow your credit history and score, meaning you’ll be more likely to get approved for a loan and receive lower interest rates.

When you use your credit card to buy what you need each month, you can pay your balance in full, pay the minimum payment due, or any amount in between - you choose.

Your credit card protects you with zero liability for unauthorized use - if you didn’t buy it, you don’t pay for it.

Manage your 1st Financial Bank USA accounts 24/7 from your mobile device. Check your balance, recent transactions and more - all while using our app on the go.

Need emergency cash? Use your credit card at an ATM, or present it to a bank displaying the Visa or Mastercard sign.

Make purchases quickly, easily, and securely with just a tap of your contactless-enabled credit card wherever you see the universal contactless symbol.

If it’s important to you, it’s important to us. 1st Financial Bank USA partners with GoodCoin, making it easy for you to donate securely to your favorite causes.

Select a favorite design to be featured on your card.


Here's what new cardholders wrote when we asked them how using their new credit card helped them:

"I was able to pay a campus parking ticket before the due date and avoid fees and penalties! Without my 1st Financial Bank credit card, I would have been stressed out and worrying about how I was going to pay this on time!! It saved me big time!!"

- Tyler from MD

"I was able to buy my books before my financial aid came in and then use my financial aid check to pay off my credit card. It made the transition to college very easy."

- Jennifer Garcia from CA

"My credit card helps me a lot with paying for gas or any emergencies that have happened. It’s also helped by keeping me aware of what I buy and making sure I pay my credit card off on time and that there’s no late payments. It’s definitely helped me keep up on my responsibilities."

- Cheyenne from OR

Ready to Apply

1st Financial Bank USA is proud to specialize in providing quality credit card and financial services to college students and college graduates nationwide.

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Customer Service Representatives are available Monday-Friday, 8am-8pm CT and Saturday 8am-5pm CT, excluding Federal holidays.