Is the Final Credit Card worth it? |

Review: Final Credit Card

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It’s not packed with features, but with virtual-card technology Final is a stellar defense against fraud.

Editor’s note: In December 2017, Final announced they would be starting the process of shutting down their card portfolio and closing all Final Visa Credit Card accounts within the coming weeks. To find another credit card that fits your needs, visit our guide to credit cards and compare your options.
  • Get this card if… credit card security is your top priority.
  • Pick something else if…you think your current provider’s fraud department is doing a good job or if you want more powerful cash back rewards.
  • Recommended good to excellent credit score of 680 to 850.
Product NameFinal Credit Card
APR for Purchases ( Purchase Rate )18.75% variable
Annual fee$0
Cash Advance RateCash advances are not available with this account
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 21 days
Returned Payment Fee$35
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
2.5% of transaction value
Minimum Interest$0.50
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$35
Over The Credit Line Fee$0
Late Payment Fee$25
Cash Advance FeeCash advances are not available with this account

The Basics

If you’ve been burned by credit card fraud — or worry you may become a victim sooner or later — the Final Card might be for you. The card gives you complete control over who can make charges to your accounts.

Yes, that’s “accounts,” plural: The Final Card doesn’t limit you to just one card number. Instead, you get a new number for each merchant you spend with. If you’d like, you can limit the total each merchant can charge to your card. You can also create one-time-use cards for single purchases and recurring cards for subscriptions.

Final Credit Card basics

The point is to limit the damage a fraudster can wreak on your finances. If someone were to steal your credit card information from a Walgreens database, for example, they couldn’t go on a spending spree at Target or Walmart.

Furthermore, if fraud somehow infects one of your card numbers, it’s isolated from the rest of your accounts. You won’t have to wait for a replacement card or update your card info for your numerous subscriptions.

Has the Final Card come at the perfect time?

With increasing frequency, we’re seeing big hacks at some of the world’s largest companies. Here are just a few major breaches that have occurred recently:

  • In a well-publicized hack, Target lost card data for 40 million customers. A class-action lawsuit claimed that Target hadn’t implemented sufficient security measures to prevent the hack.
  • Malware infected Chipotle’s cash registers, allowing thieves to steal data from credit card magstripes.
  • InterContinental Hotels Group, which runs properties like Holiday Inn, had its own run-in with hacking. A data breach affected almost 1,200 of the company’s hotels, and many customers reported unauthorized charges on their credit cards.

There’s a scary implication: Even if you’re careful with your credit card information, retailers might not do enough to protect it.

Worse, credit card fraud is on the rise. It’s already a significant problem, creating annual losses north of $24 billion. By 2020, it’s expected to cost $31.67 billion worldwide.

In that light, the Final Card could be just what security-conscious consumers need. Final doesn’t eliminate fraud, but it mitigates the effects of having your credit card information stolen.
How credit card security works

How the Final Card works

If you’re approved for the Final Card, you’ll get a physical card in the mail. You can also generate virtual credit cards from your phone. (Virtual cards are randomly generated card numbers that you can use to make purchases.) To organize your virtual cards, you can store them in a digital wallet like Apple Pay or Android Pay.

How the Final Card works 1

When you make a purchase, you create a merchant-locked card. For instance, if you buy something from, you’ll have a virtual card that can be used with Amazon only.

You can also create a one-time-use card. This account number is good for a single purchase and is deactivated after you use it.

Once you use a virtual card, a receipt is sent to your phone, allowing you to verify transactions in real time.

How the Final Card works 2

Is the Final Card worth getting?

Virtual card features aside, the Final Card is simply a solid card — no more and no less. It has no annual fee, which is always welcome. However, it offers only 1% cash back on everything you buy. You’ll find better earnings with other no-annual-fee cards like the Citi Double Cash and Chase Freedom Unlimited.

Furthermore, the Final Card is relatively light on perks. Its sales page highlights no overlimit fees, an autopay option, EMV chip technology and fraud coverage. But those come standard with many other cards, and they do little to differentiate the Final Card.

All in all, you probably won’t get the Final Card for its add-ons. Instead, you’ll get it for its single-minded focus on security.

If you’re highly concerned about credit card fraud, the Final Card is what you’ve been looking for. In an age of crafty hackers and retailers reluctant to invest in payment security, the Final Card’s virtual-card features are an excellent defense.

Before you settle on the Final Card

Creating multiple virtual cards isn’t a new concept. For example, Discover is just one provider that lets customers create multiple card numbers early on. (Its Secure Online Account Numbers program was discontinued in 2015.)
Other providers allow you to create virtual cards — like Bank of America’s ShopSafe and Citi’s Virtual Account Numbers — with few restrictions.

Bottom line: The Final Card isn’t the only game in town. Before settling on it, check out what other card providers bring to the table.

The Perks

  • Cash back on all purchases.
    Earn 1% cash back on everything you buy.
  • Generate virtual cards.
    Get a unique credit card number for each merchant, or generate single-use numbers for one-time purchases. Deactivate card numbers whenever you want, and set limits for how much merchants can charge to your card.
  • No annual fee.

You’ll also like…

  • Real-time receipts. Receive receipts on your phone whenever a merchant charges your card.
  • No overlimit fees. If you accidentally go over your credit limit, you won’t pay a fee.
  • Visa benefits. Get Visa protections like roadside dispatch and collision damage waivers for auto rentals.

What to watch out for

  • No signup bonus. You won’t snag quick rewards to the start.
  • Fees. Late payments come with fees as high as $25, and returned payments cost as high as $35.00. You’ll incur a 2.5% fee for every foreign transaction you make with your card.

Consider other cards if…

What should I know before I apply?

To apply for the Final Card, you must be at least 18 years old. You must also be a US citizen or permanent resident. Residents of Puerto Rico and US territories are not eligible.

Always consider your options and your financial situation before you apply for a credit card.

Information you’ll need

  • Full name and contact information
  • Residential status
  • Annual income, source of income and employment information
  • Social Security number and date of birth

What credit score do I need?

You’ll have a better chance of approval for the Final Card if you apply with a good to excellent credit score of 680 or higher.

The card’s issuing bank, First Bank & Trust, tends to approve cardholders who:

  • Have not been late on payments in the past year.
  • Have not declared bankruptcy or defaulted on loans.
  • Have multiple loans in their name.

If you don’t meet these requirements, you may still be approved for the card. However, your chances will be slimmer.

You’ll likely receive a decision immediately after you apply. If there are issues with your application, however, you may have to wait up to a few weeks for a decision.

How to apply for the Final Credit Card

1. Go to the Final website. Create an account by entering your email and choosing a password.

Final Credit Card step 1

2. Complete the application form with your name, address, annual income and Social Security number. Then review your application and submit it.

Final Credit Card step 2

I got the card. Now what?

  • Make timely payments. You can pay your credit card bill online at the Final website, where you can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 21 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late payments cost up to $25 and returned payments cost up to $35.00. Foreign transactions also come with fees.
  • Customer service. If you have questions, email Final at

Bottom line

You’ll find better cash back rewards with other cards. But if your primary concern is credit card security, the Final Card is an excellent option.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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