in Personal Credit Cards from Heartland Financial USA Inc
UnaffiliatedFirst Bank and Trust of Texas Visa Secured Card
in Personal Credit Cards from Heartland Financial USA Inc
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| Purchase APR (Variable APR) | 18.75% |
| Balance Transfer APR (Variable APR) | 18.75% |
| Credit Score Range | 300 - 840 |
| Annual Fee | N/A |
First Bank and Trust of Texas Visa Secured Card Review
This is a secured credit card rewards credit card issued by Heartland Financial USA Inc. If you're wondering whether First Bank and Trust of Texas Visa Secured Card 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.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 18.75%
- 3% Balance transfer fee. First Bank and Trust of Texas Visa Secured Card 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
| The Good | The Bad |
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Does First Bank and Trust of Texas Visa Secured Card have a cash back or rewards program?
First Bank and Trust of Texas Visa Secured Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does First Bank and Trust of Texas Visa Secured Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Bank and Trust of Texas Visa Secured Card 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 Visa Secured Card?
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 higher than average regular APRs.First Bank and Trust of Texas Visa Secured Card has a variable purchase APR of 18.75%. The card has a variable balance transfer APR of 18.75% . It also has a variable cash advance APR of 3% .
Does First Bank and Trust of Texas Visa Secured Card 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 Texas Visa Secured Card 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 Texas Visa Secured Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $35 |
Does First Bank and Trust of Texas Visa Secured Card have a foreign transaction fee?
First Bank and Trust of Texas Visa Secured Card 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 support contact email for First Bank and Trust of Texas Visa Secured Card?
The support contact email for First Bank and Trust of Texas Visa Secured Card is jberg@htlf.com.
How do people rate the customer service and user experience of First Bank and Trust of Texas Visa Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Bank and Trust of Texas Visa Secured Card report your account activity to credit bureaus?
Yes, First Bank and Trust of Texas Visa Secured Card 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 Visa Secured Card
- Visit the First Bank and Trust of Texas Visa Secured Card 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.
Contact
- Headquarters
-
1398 Central Avenue
Dubuque, IA 52001 - Visit Site
- Email Support
Other Services by Heartland Financial USA Inc
Availability
Feature Breakdown
| No Annual Fee | |
| 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 |
| Paper Statement Fee | $3 |
| Late Fee Amount | $35 |
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