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  First Bank and Trust of Texas Cash Back Rewards Visa
First Bank and Trust of Texas Cash Back Rewards Visa
in Credit Cards from Heartland Financial USA Inc
Unaffiliated

First Bank and Trust of Texas Cash Back Rewards Visa

Unaffiliated
in Credit Cards from Heartland Financial USA Inc
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Highlights
Purchase APR  (Variable APR) 15.75%
(Verified 10/25/2022)
Balance Transfer APR  (Variable APR) 15.75%
(Verified 10/25/2022)
Credit Score Range 650 - 840
Annual Fee $0

First Bank and Trust of Texas Cash Back Rewards Visa Review

This is a cashback 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.

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 15.75%
  • 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.
  • 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 odds if your credit score is above 650.

Pros & Cons of First Bank and Trust of Texas Cash Back Rewards Visa

The Good The Bad
  • Potentially 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. There is then a variable purchase APR of 15.75%.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • 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
Signup Bonus ($) N/A

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. This card has lower than average regular APRs.

First Bank and Trust of Texas Cash Back Rewards Visa has a variable purchase APR of 15.75%. The card has a variable balance transfer APR of 15.75% . It also has a variable cash advance APR of 25.75% .

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 15.75%
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 up to $35
Late Payment Fee up to $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.

What is the customer service phone number for First Bank and Trust of Texas Cash Back Rewards Visa?

The First Bank and Trust of Texas Cash Back Rewards Visa customer service number is .

What is the support contact email for First Bank and Trust of Texas Cash Back Rewards Visa?

The support contact email for First Bank and Trust of Texas Cash Back Rewards Visa is jberg@htlf.com.

What is the First Bank and Trust of Texas Cash Back Rewards Visa login page?

You can access the First Bank and Trust of Texas Cash Back Rewards Visa login page here.

How do people rate the customer service and user experience of First Bank and Trust of Texas Cash Back Rewards Visa?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

Contact

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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Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $5
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
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 Categories
  • 3% Cash Back on Gas
  • 3% Cash Back on Groceries
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 25.75%
APR Type Variable APR
Balance Computation average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 15.75%
(Verified 10/25/2022)
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) 15.75%
(Verified 10/25/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

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