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First Citizens Bank
First Citizens Visa Classic
4.0(88 reviews)
Affordable entry card — no annual fee in year 1. Purchase rate 23% p.a., cash advance 27% p.a., FX fee 2.5%, min. credit limit TT$4,000.
APR
23%
Annual Fee
TT$120
Min. Income
TT$3,000/mo
Min. Credit Score
600
Features
- No annual fee year 1
- EMV chip
- 24/7 fraud monitoring
- Mobile banking
Strengths
- Free first year
- Lowest entry fee in market
- Easy approval
Trade-Offs
- No rewards
- Basic perks only
Eligibility
18+, minimum income TT$3,000/mo, employed
Customer Reviews
Kerri S.
Helped me buy my first car
Made the process seamless. Dealer partnership saved me time.
Trisha P.
Good but app needs work
Product is great, online portal could be more modern.
Devon M.
Great rate but paperwork
The interest rate is unbeatable, but be prepared for some back-and-forth on documents.