Midfirst Bank credit card terms
Bank · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Midfirst Bank reported a surveyed purchase APR of 13.74% – 21.74% (median 17.74%) to the CFPB Terms of Credit Card Plans survey, across 1 product. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Midfirst Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 13.74% – 21.74% |
| Median purchase APR | 17.74% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | — |
| Annual fee | — |
| Late fee (median) | $25 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Midfirst Bank did not report that field in the survey.
Midfirst Bank purchase APR by credit tier
Median purchase APR Midfirst Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | — |
| Good credit (620-719) | 18.24% |
| Great credit (720+) | 13.74% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Midfirst Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Midfirst Bank's median of 17.74% sits around or below the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Midfirst Bank (this issuer) | 13.74% – 21.74% | 17.74% | — |
| Farm Bureau Bank Fsb | 16.74% – 29.99% | 17.99% | — |
| First State Bank | 18% | 18% | — |
| Sabine State Bank And Trust Company | 16.8% | 16.8% | $12 |
| Jonah Bank Of Wyoming | 16.25% | 16.25% | $50 |
| Solvay Bank | 15.88% | 15.88% | — |
| United Bank | 5.99% – 21.49% | 15.49% | — |
Farm Bureau Bank Fsb · First State Bank · Sabine State Bank And Trust Company · Jonah Bank Of Wyoming · Solvay Bank · United Bank
Frequently asked questions
What is Midfirst Bank's credit card APR?
Midfirst Bank reported a purchase APR of 13.74% – 21.74% to the CFPB Terms of Credit Card Plans survey (median 17.74%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Midfirst Bank charge an annual fee?
Midfirst Bank did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Midfirst Bank a good choice for a low APR?
Midfirst Bank's surveyed range is 13.74% – 21.74%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by Midfirst Bank (Midfirst Bank) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29