SuperMoney
  First Bank and Trust of Texas Cash Back Rewards Visa

First Bank and Trust of Texas Cash Back Rewards Visa

in Personal Credit Cards from Heartland Financial USA Inc

Unaffiliated

First Bank and Trust of Texas Cash Back Rewards Visa

Unaffiliated

in Personal Credit Cards from Heartland Financial USA Inc

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend First Bank and Trust of Texas Cash Back Rewards Visa to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 12.75%
Balance Transfer APR  (Variable APR) 12.75%
Credit Score Range 650 - 840
Annual Fee $0

First Bank and Trust of Texas Cash Back Rewards Visa Review

This is a cashback credit card issued by Heartland Financial USA Inc. If you're wondering whether First Bank and Trust of Texas Cash Back Rewards Visa 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. First Bank and Trust of Texas Cash Back Rewards Visa has a variable purchase APR of 12.75%
  • 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.
  • 3% Balance transfer fee. First Bank and Trust of Texas Cash Back Rewards Visa 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 $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of First Bank and Trust of Texas Cash Back Rewards Visa
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere First Bank and Trust of Texas Cash Back Rewards Visa is accepted.
  • First Bank and Trust of Texas Cash Back Rewards Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee. After the introductory period, the fee is 3% of the balance transferred or $5, whichever is greater.
  • Does not include many credit card benefits.
First Bank and Trust of Texas Cash Back Rewards Visa FAQ

Does First Bank and Trust of Texas Cash Back Rewards Visa 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.

First Bank and Trust of Texas Cash Back Rewards Visa Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit 20000

Does First Bank and Trust of Texas Cash Back Rewards Visa have a signup bonus?

This card doesn't offer a cash signup bonus.

Does First Bank and Trust of Texas Cash Back Rewards Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for First Bank and Trust of Texas Cash Back Rewards Visa?

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 of 12.75%. The card has a variable balance transfer APR of 12.75% . It also has a variable cash advance APR of 22.75% .

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 Texas Cash Back Rewards Visa have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

First Bank and Trust of Texas Cash Back Rewards Visa Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12.75%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does First Bank and Trust of Texas Cash Back Rewards Visa have an intro APR offer on new purchases?

First Bank and Trust of Texas Cash Back Rewards Visa Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for First Bank and Trust of Texas Cash Back Rewards Visa?

The following fees apply:

First Bank and Trust of Texas Cash Back Rewards Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $35
Late Payment Fee $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does First Bank and Trust of Texas Cash Back Rewards Visa have a foreign transaction fee?

First Bank and Trust of Texas Cash Back Rewards Visa charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 First Bank and Trust of Texas Cash Back Rewards Visa report your account activity to credit bureaus?

Yes, First Bank and Trust of Texas Cash Back Rewards Visa 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 First Bank and Trust of Texas Cash Back Rewards Visa

  • Visit the First Bank and Trust of Texas Cash Back Rewards Visa 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
Texas
Availabile in all of Texas

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $5
Foreign Currency Transaction Fee 3%
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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 650 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Annual Maximum 20,000
Rewards Rates
  • Every Purchase
  • Groceries
  • Gas
Cash Advance APR (Variable APR) 22.75%
Balance Computation average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 12.75%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.75%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

Be the first to rate

 

Would you recommend First Bank and Trust of Texas Cash Back Rewards Visa to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Heartland Financial USA Inc Personal Credit Cards

Loading...