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  FB&T World Mastercard

FB&T World Mastercard

in Personal Credit Cards from FB&T

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FB&T World Mastercard

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in Personal Credit Cards from FB&T

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Highlights
Purchase APR  (Variable APR) 2.9% - 15.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 590 - 840
Annual Fee $0

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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. FB&T World Mastercard has a variable purchase APR that ranges from 2.9% up to 15.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your 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
  • 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 or poor credit.
  • Cardholders can earn rewards on purchases everywhere FB&T World Mastercard is accepted.
  • 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

Does FB&T World Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does FB&T World Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 2.9% up to 15.24%. It also has a variable cash advance APR of 15.24% .

Does FB&T World 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 World Mastercard have an intro APR offer on new purchases?

FB&T World Mastercard Purchase Intro Offer
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 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 have a foreign transaction fee?

FB&T World 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.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
Oklahoma
Availabile in all of Oklahoma

Feature Breakdown

Introductory Rate 2.9%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
Late Fee Amount $25
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 590 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
  • Retail
  • Travel
Cash Advance APR (Variable APR) 15.24%
Purchase APR (Variable APR) 2.9% - 15.24%
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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