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  First Bank and Trust of Texas Visa Secured Card

First Bank and Trust of Texas Visa Secured Card

in Personal Credit Cards from Heartland Financial USA Inc

Unaffiliated

First Bank and Trust of Texas Visa Secured Card

Unaffiliated

in Personal Credit Cards from Heartland Financial USA Inc

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Highlights
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

First Bank and Trust of Texas Visa Secured Card 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 is everything you need to know to make a good choice.

Key Takeaways
  • 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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 qualify.
First Bank and Trust of Texas Visa Secured Card Pros & Cons
The Good The Bad
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere First Bank and Trust of Texas Visa Secured Card is accepted.
  • First Bank and Trust of Texas Visa Secured Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
First Bank and Trust of Texas Visa Secured Card FAQ

Is there a First Bank and Trust of Texas Visa Secured Card cash back or rewards program?

First Bank and Trust of Texas Visa Secured Card offers a rewards program to its customers.

First Bank and Trust of Texas Visa Secured Card Rewards
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?

First Bank and Trust of Texas Visa Secured Card doesn't offer a cash signup bonus.

Does First Bank and Trust of Texas Visa Secured Card offer an annual loyalty bonus?

First Bank and Trust of Texas Visa Secured 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Bank and Trust of Texas Visa Secured Card has higher than average purchase 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 introductory APR offer on balance transfers?

No, First Bank and Trust of Texas Visa Secured Card does not come with an introductory APR offer for balance transfers.

Does First Bank and Trust of Texas Visa Secured Card have an introductory APR offer on new purchases?

First Bank and Trust of Texas Visa Secured Card does not offer an introductory rate on new purchases.
First Bank and Trust of Texas Visa Secured Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period N/A

What are the fees for First Bank and Trust of Texas Visa Secured Card?

The following fees apply to First Bank and Trust of Texas Visa Secured Card:

First Bank and Trust of Texas Visa Secured Card Fees
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 a foreign transaction fee.

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.

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

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
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
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 3%
Credit Limit Starting at $500
Purchase APR (Variable APR) 18.75%
Balance Transfer APR (Variable APR) 18.75%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Secured
  • Balance Transfer
  • Bad Credit
Card Network Visa

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