FB&T World Mastercard

FB&T World Mastercard Review

This is a cashback credit card issued by FB&T. If you're wondering whether FB&T World Mastercard is the right card for you, read on.

Key Takeaways

• Competitive APRs. FB&T World Mastercard has a variable purchase APR that ranges from 2.9% up to 11.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 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, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 590.

Pros & Cons of FB&T World Mastercard

The Good

The Bad

Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty and price protection on purchases. Travel accident and travel assistance insurance. Considers applicants with fair credit. Cardholders can earn rewards on their purchases. FB&T World Mastercard reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 2%.

FB&T World Mastercard FAQ

Does FB&T World Mastercard have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

FB&T World Mastercard Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the FB&T World Mastercard benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for FB&T World 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 World Mastercard has a variable purchase APR that ranges from 2.9% up to 11.99%. It also has a variable cash advance APR of 11.99% .

What are the fees for FB&T World Mastercard?

The following fees apply:

FB&T World Mastercard Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	2%
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 cashback card.

Does FB&T World Mastercard report your account activity to credit bureaus?

Yes, FB&T World 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 World Mastercard

• Visit the FB&T World 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.