Last Updated: 07/28/2025
First Bank and Trust of New Orleans Visa Platinum
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 840
Annual Fee
$0
First Bank and Trust of New Orleans Visa Platinum Review
This is a travel card issued by First Bank and Trust of New Orleans. If you're wondering whether First Bank and Trust of New Orleans Visa Platinum is the right card for you, read on.
Key Takeaways
- APRs: First Bank and Trust of New Orleans Visa Platinum has a variable regular purchase APR of 11.9%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , 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 Platinum 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of First Bank and Trust of New Orleans Visa Platinum
| The Good | The Bad |
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First Bank and Trust of New Orleans Visa Platinum FAQ
Does First Bank and Trust of New Orleans Visa Platinum have a cash back or rewards program?
First Bank and Trust of New Orleans Visa Platinum is a travel rewards card.
| Description |
Does First Bank and Trust of New Orleans Visa Platinum have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Bank and Trust of New Orleans Visa Platinum offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First Bank and Trust of New Orleans Visa Platinum benefits?
First Bank and Trust of New Orleans Visa Platinum provides the following benefits:
- 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 Platinum?
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 Platinum has a variable purchase APR of 11.9%. The card has a variable balance transfer APR of 11.9% . It also has a variable cash advance APR of 11.9% .
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 Platinum 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 Platinum 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 Platinum?
| 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 rewards card.
There is a late fee of up to $35 . Does First Bank and Trust of New Orleans Visa Platinum have a foreign transaction fee?
First Bank and Trust of New Orleans Visa Platinum 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 Platinum?
The support contact email for First Bank and Trust of New Orleans Visa Platinum is gblossman@fbtonline.com.
How do people rate the customer service and user experience of First Bank and Trust of New Orleans Visa Platinum?
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 Platinum report your account activity to credit bureaus?
Yes, First Bank and Trust of New Orleans Visa Platinum 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 Platinum 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 Platinum
- Visit the website of First Bank and Trust of New Orleans Visa Platinum.
- 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
14.9%
Disclaimer popup with additional information
Balance Transfer APR
14.90%
Disclaimer popup with additional information
Credit Score Range
520 - 840
300
850
Annual Fee
$0
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