First Bank and Trust of Texas Visa Secured Card

First Bank and Trust of Texas Visa Secured Card Review

This is a secured credit card rewards 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.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 21.75%
• 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.
• 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.

Pros & Cons of First Bank and Trust of Texas Visa Secured Card

First Bank and Trust of Texas Visa Secured Card FAQ

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.

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

First Bank and Trust of Texas Visa Secured Card has a variable purchase APR of 21.75%. The card has a variable balance transfer APR of 21.75% . It also has a variable cash advance APR of 25.75% .

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

The following fees apply:

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

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.