FB&T Low Rate Mastercard
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| Purchase APR (Variable APR) |
2.99% - 15.24% (Verified 09/11/2022) |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 560 - 840 |
| Annual Fee | $0 |
FB&T Low Rate Mastercard Review
This is a credit card issued by FB&T. If you're wondering whether FB&T Low Rate Mastercard is the right card for you, read on.
Key Takeaways
- Competitive APRs. FB&T Low Rate Mastercard has a variable purchase APR that ranges from 2.99% up to 15.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. FB&T Low Rate Mastercard charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of FB&T Low Rate Mastercard
| The Good | The Bad |
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FB&T Low Rate Mastercard FAQ
Does FB&T Low Rate Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
What are the FB&T Low Rate Mastercard benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for FB&T Low Rate Mastercard?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.FB&T Low Rate Mastercard has a variable purchase APR that ranges from 2.99% up to 15.24%. It also has a variable cash advance APR of 15.24% . Note that late payments are subject to an APR of 19.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does FB&T Low Rate Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does FB&T Low Rate Mastercard have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 2.9% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 2.9% on qualified purchases for a period of up to 6 months.
What are the fees for FB&T Low Rate Mastercard?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | $25 |
| Late Payment Fee | $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does FB&T Low Rate Mastercard have a foreign transaction fee?
FB&T Low Rate Mastercard charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the FB&T Low Rate Mastercard login page?
You can access the FB&T Low Rate Mastercard login page here.
How do people rate the customer service and user experience of FB&T Low Rate Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does FB&T Low Rate Mastercard report your account activity to credit bureaus?
Yes, FB&T Low Rate Mastercard reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for FB&T Low Rate Mastercard
- Visit the FB&T Low Rate Mastercard website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
407 7th Street
Perry, OK 73077 USA - Visit Site
Other Services by FB&T
Availability
Feature Breakdown
| Introductory Rate | 2.9% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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