MidFirst Bank Rewards Credit Cards

Earn 1 point for every $1 on all qualifying purchases with no limit to the number of points you can earn.* Enjoy your choice of rewards, including merchandise, gift cards, travel, cash back and more. Plus, enjoy an introductory 0% APR* on all purchases and balance transfers for the first 12 billing cycles after your account is opened. After that, your rate will be based on your creditworthiness (between 19.24% and 24.99%) and will vary based on the prime rate (up to 24.99%).*

No annual fee*
See the Credit Card Application Disclosure for additional important information on rates, fees, costs, conditions, and limitations
Utilize online access to view transaction activity and history, pay your credit card bill, set up alerts, view prior statements electronically and more
Zero Liability for unauthorized charges*

Credit Card Selection

Let’s get started with your credit card application.

Step 1: Please select your card design:

You must select a card design

Oklahoma State University

University of Oklahoma

University of Central Oklahoma

Standard MidFirst

You must select a card type

Step 2: Select your CARD TYPE:

Would you prefer a Rewards or Platinum (ie. Non-Rewards) card?

Please review the Credit Card Application Disclosure for more details on each type of card.

Step 3: Start your credit card application.

Disclosure

*Rewards: See the MidFirst Rewards Terms and Conditions Summary in the Credit Card Application Disclosure for details. Introductory Rate: In order to keep applicable introductory rates, you must make payments when due, stay within your credit limit and not have any payments dishonored for any reason. Please note that the introductory rates do not apply to cash advances. APR and Fees: The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 19.24% and 24.99% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account many be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of September 1, 2023. Subject to credit approval. Visa® Zero Liability: MidFirst Visa Credit Cards: Visa's Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa® or certain commercial card transactions. Cardholder must notify MidFirst Bank promptly of any unauthorized use. For specific restrictions, limitations and other details, please call 888.MIDFIRST (888.643.3477).

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