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  First Bank and Trust of Texas Visa Secured Card
First Bank and Trust of Texas Visa Secured Card Unaffiliated

First Bank and Trust of Texas Visa Secured Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 21.75%
(Verified 10/25/2022)
Balance Transfer APR  (Variable APR) 21.75%
(Verified 10/25/2022)
Credit Score Range 300 - 840
Annual Fee $0

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

The Good The Bad
  • No annual fee.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • 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

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.

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
Signup Bonus ($) 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 21.75%. The card has a variable balance transfer APR of 21.75% . It also has a variable cash advance APR of 25.75% .

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:

First Bank and Trust of Texas Visa Secured Card 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 rewards card.

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 customer service phone number for First Bank and Trust of Texas Visa Secured Card?

The First Bank and Trust of Texas Visa Secured Card customer service number is .

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.

What is the First Bank and Trust of Texas Visa Secured Card login page?

You can access the First Bank and Trust of Texas Visa Secured Card login page here.

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.

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

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
Paper Statement Fee $3
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
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 25.75%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Credit Limit Starting at $500
Purchase APR (Variable APR) 21.75%
(Verified 10/25/2022)
Balance Transfer APR (Variable APR) 21.75%
(Verified 10/25/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Secured
  • Bad Credit
Card Network Visa

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