Last Updated: 07/28/2025
First Bank and Trust Visa Gold Rewards Credit Card
Unaffiliated
in Credit Cards from First Bank and Trust
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.9%(Verified 06/21/2024)
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Credit Score Range
650 - 840
Annual Fee
$0
First Bank and Trust Visa Gold Rewards Credit Card Review
This is a cashback credit card issued by First Bank and Trust. If you're wondering whether First Bank and Trust Visa Gold Rewards Credit Card is the right card for you, read on.
Key Takeaways
- APRs: First Bank and Trust Visa Gold Rewards Credit Card has a variable regular purchase APR of 13.9%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, price protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of First Bank and Trust Visa Gold Rewards Credit Card
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First Bank and Trust Visa Gold Rewards Credit Card FAQ
Does First Bank and Trust Visa Gold Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does First Bank and Trust Visa Gold Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Bank and Trust Visa Gold Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First Bank and Trust Visa Gold Rewards Credit Card benefits?
First Bank and Trust Visa Gold Rewards Credit Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for First Bank and Trust Visa Gold Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.First Bank and Trust Visa Gold Rewards Credit Card has a variable purchase APR of 13.9%. The card has a variable balance transfer APR of 13.9% . It also has a variable cash advance APR of 13.9% .
Does First Bank and Trust Visa Gold Rewards Credit 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 Visa Gold Rewards Credit 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 Visa Gold Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $25 . Does First Bank and Trust Visa Gold Rewards Credit Card have a foreign transaction fee?
First Bank and Trust Visa Gold Rewards Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Visa Gold Rewards Credit Card?
The customer service number for First Bank and Trust Visa Gold Rewards Credit Card is .
What is the support contact email for First Bank and Trust Visa Gold Rewards Credit Card?
The support contact email for First Bank and Trust Visa Gold Rewards Credit Card is info@bankeasy.com.
What is the login page for First Bank and Trust Visa Gold Rewards Credit Card?
You can access the login page of First Bank and Trust Visa Gold Rewards Credit Card here.
How do people rate the customer service and user experience of First Bank and Trust Visa Gold Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Bank and Trust Visa Gold Rewards Credit Card report your account activity to credit bureaus?
Yes, First Bank and Trust Visa Gold Rewards Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does First Bank and Trust perform a hard credit pull?
Yes, First Bank and Trust Visa Gold Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Bank and Trust Visa Gold Rewards Credit Card
- Visit the website of First Bank and Trust Visa Gold Rewards Credit Card.
- 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.
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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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
9:00AM - 12:00PM