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.

• 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.

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.

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

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% .

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 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.