Last Updated: 07/28/2025
First Bank and Trust of New Orleans Visa Classic
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
520 - 840
Annual Fee
$0
First Bank and Trust of New Orleans Visa Classic Review
This is a card issued by First Bank and Trust of New Orleans. If you're wondering whether First Bank and Trust of New Orleans Visa Classic is the right card for you, read on.
Key Takeaways
- APRs: First Bank and Trust of New Orleans Visa Classic has a variable regular purchase APR of 14.9%
- 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.
- A 3% balance transfer fee. First Bank and Trust of New Orleans Visa Classic charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Accepts cosigners. First Bank and Trust of New Orleans is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of First Bank and Trust of New Orleans Visa Classic
| The Good | The Bad |
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First Bank and Trust of New Orleans Visa Classic FAQ
Does First Bank and Trust of New Orleans Visa Classic have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Bank and Trust of New Orleans Visa Classic?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.First Bank and Trust of New Orleans Visa Classic has a variable purchase APR of 14.9%. The card has a variable balance transfer APR of 14.90% . It also has a variable cash advance APR of 14.9% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does First Bank and Trust of New Orleans Visa Classic have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does First Bank and Trust of New Orleans Visa Classic have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Bank and Trust of New Orleans Visa Classic?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $35 . Does First Bank and Trust of New Orleans Visa Classic have a foreign transaction fee?
First Bank and Trust of New Orleans Visa Classic charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 support contact email for First Bank and Trust of New Orleans Visa Classic?
The support contact email for First Bank and Trust of New Orleans Visa Classic is gblossman@fbtonline.com.
How do people rate the customer service and user experience of First Bank and Trust of New Orleans Visa Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Bank and Trust of New Orleans Visa Classic report your account activity to credit bureaus?
Yes, First Bank and Trust of New Orleans Visa Classic reports to the following credit bureaus:
- 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 build your credit.
Does First Bank and Trust of New Orleans perform a hard credit pull?
Yes, First Bank and Trust of New Orleans Visa Classic performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Bank and Trust of New Orleans Visa Classic
- Visit the website of First Bank and Trust of New Orleans Visa Classic.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 4:00PM
Saturday
Closed
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Other Credit Cards from First Bank and Trust of New Orleans
Rating not yet determined
Purchase APR
11.9%
Disclaimer popup with additional information
Balance Transfer APR
11.9%
Disclaimer popup with additional information
Credit Score Range
640 - 840
300
850
Annual Fee
$0
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