Community First Bank Low Rate Visa Credit Card

The basics

• Additional cardholders. This card allows one additional cardholder for free, so you can share the account with a family member. However, the primary cardholder will be responsible for managing and repaying the card.
• Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. Gambling transactions are not allowed on this card.

Rewards and benefits

• Complimentary travel insurance. An international travel insurance policy does not come with this card.
• Concierge services. This card does not offer a concierge service.
• Insurances. This card offers repayment insurance for unexpected emergencies.
• Rewards points. Unfortunately, this credit card does not have a rewards program.
• Sign up bonus. Community First isn't running a sign up bonus offer for this card.

Rates and fees

• Annual fee. The ongoing annual fee for this card is $40.
• Balance transfers. The Community First Low Rate Visa Credit Card offers a 0% introductory balance transfer rate for 6 months, with a revert rate of 8.99%. Balance transfers from personal loans are also accepted. Longer balance transfers are available, but few cards have a revert rate that's as low as this.
• Cash advances. Community First's Low Rate Visa Credit Card has a cash advance rate of 8.99% p.a., which will be charged immediately from the transaction date. Overall, this is one of the better cards for cash advances.
• Foreign exchange fee. This card charges a 3% foreign transaction fee for purchases made in a foreign currency overseas or online.
• Interest-free period. Get up to 55 days interest-free on purchases (except cash advances) when you pay your balance in full or make the minimum required payment.
• Purchases. There is no introductory offer on purchases. The standard ongoing interest rate of 8.99% p.a. is applied to all purchases and is one of the most competitive on the market.