Credit Cards

Choose The Card That's Right For You**

Put some momentum into your wallet with a First Midwest credit card.

Simply use the descriptions below as guidelines to narrow your selection. We'll consider other factors in processing your application.**



Maximum Rewards®

Maximum Rewards Card
Summary of Credit Terms


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Ideal for: Established Credit

Maximum Rewards may be the right card for you if you have around five or more years of major credit card history.**

  • No annual fee1
  • Earn 1 point for every $1 in purchases3
  • Redeem points for merchandise, gift cards, flights on any airline, and even cash back as a statement credit3
  • 0% introductory APR1 on purchases and balance transfers for the first 12 billing cycles after account opening
  • After that, a variable 15.99% to 22.99% APR1 based on the Prime Rate and your creditworthiness after the intro rate expires
  • Apply Now

 



Platinum Edition®

Platinum Edition Card
Summary of Credit Terms


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Ideal for: Established Credit

With five or more years of major credit card history, Platinum Edition may be the right card for you.**

  • No annual fee1
  • 0% introductory APR1 on purchases and balance transfers for the first 12 billing cycles after account opening
  • After that, a variable 9.99% to 19.99% APR1 based on the Prime Rate and your creditworthiness after the intro rate expires
  • Apply Now

 



KickstartSM
Platinum Edition®

Platinum Edition Card
Summary of Credit Terms


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Ideal for: Building Credit

If you have one to five years of major credit card history or have been trying to improve your credit over the past year, our Kickstart Card could help build and improve your credit.**

Earn up to 3 credit limit increases in your first year by doing three simple things each month4:

  • Make a purchase using your card
  • Pay your bill on time
  • Stay under your credit limit

Upgrade your account with Maximum Rewards after your first year with a positive payment history.

  • No annual fee1
  • A variable 19.99% APR1 on purchases and balance transfers based on the Prime Rate
  • Apply Now

 



Secured Card

Secured Card
Deposit Agreement
Summary of Credit Terms


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Ideal for: Just Starting Out or Rebuilding Credit

If you have less than a year of major credit card history or you know you need to work on improving damaged credit because you have:

  • Been declined for other unsecured cards recently or
  • Missed bill payments or
  • Been contacted by a bill collector in the last year

Our Secured Credit Card, when used responsibly, can help build and improve your credit record.**

  • Request your credit limit by providing a deposit between $300 and $5,000 (in $50 increments) when you apply**
  • Increase your credit limit at any time in increments of $50**
  • Move to an unsecured card in as little as 15 months when you maintain a good payment history with us**
  • Worldwide acceptance at millions of merchants who accept major credit cards
  • Variable 17.99% APR1 on purchases and balance transfers based on the Prime Rate
  • $19 annual fee1
  • Apply Now

 


*Important Information

In order to keep the intro rates for the Maximum Rewards and Platinum Edition Cards, you must make payments when due, stay within your credit limit, and not have any payments dishonored for any reason. Please note that any introductory rates do not apply to cash advances. The Transaction Fee for Balance Transfers is an introductory 3% with a minimum of $10 for the first 12 billing cycles after your account is open. After that, the Balance Transfer Fee is 5% with a minimum of $10 and applies to each balance transfer you make. For the Kickstart Platinum Edition and Secured Cards, the balance transfer fee is 5% with a minimum of $10 and applies to each balance transfer you make. Applies to new accounts only.

For all cards, payments on your account may 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 of for other reasons described in the Summary of Credit Terms. All changes in terms will be subject to the requirements of applicable law.

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All First Midwest Credit Cards Include:

Security Protection

  • Fraud Protection2
  • FirstGuard®

Travel Coverage

  • Auto Rental Insurance2
  • Travel Accident Insurance2

Shopping Benefits

  • Purchase Security2
  • Extended Warranty Protection2

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