SuperMoney
  First Bank and Trust Visa Gold Rewards Credit Card

First Bank and Trust Visa Gold Rewards Credit Card

in Personal Credit Cards from First Bank and Trust

Unaffiliated

First Bank and Trust Visa Gold Rewards Credit Card

Unaffiliated

in Personal Credit Cards from First Bank and Trust

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend First Bank and Trust Visa Gold Rewards Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 13.9%
Balance Transfer APR  (Variable APR) 13.9%
Credit Score Range 650 - 840
Annual Fee $0

First Bank and Trust Visa Gold Rewards Credit Card Review

First Bank and Trust Visa Gold Rewards Credit Card 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. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. First Bank and Trust Visa Gold Rewards Credit Card has a variable purchase APR of 13.9%
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as price protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
First Bank and Trust Visa Gold Rewards Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on purchases everywhere First Bank and Trust Visa Gold Rewards Credit Card is accepted.
  • First Bank and Trust Visa Gold Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
First Bank and Trust Visa Gold Rewards Credit Card FAQ

Is there a First Bank and Trust Visa Gold Rewards Credit Card cash back or rewards program?

First Bank and Trust Visa Gold Rewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

First Bank and Trust Visa Gold Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does First Bank and Trust Visa Gold Rewards Credit Card have a signup bonus?

First Bank and Trust Visa Gold Rewards Credit Card doesn't offer a cash signup bonus.

Does First Bank and Trust Visa Gold Rewards Credit Card offer an annual loyalty bonus?

First Bank and Trust Visa Gold Rewards Credit 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:

  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Bank and Trust Visa Gold Rewards Credit Card has lower than average purchase 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 introductory APR offer on balance transfers?

No, First Bank and Trust Visa Gold Rewards Credit Card does not come with an introductory APR offer for balance transfers.

Does First Bank and Trust Visa Gold Rewards Credit Card have an introductory APR offer on new purchases?

First Bank and Trust Visa Gold Rewards Credit Card does not offer an introductory rate on new purchases.
First Bank and Trust Visa Gold Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for First Bank and Trust Visa Gold Rewards Credit Card?

The following fees apply to First Bank and Trust Visa Gold Rewards Credit Card:

  • There is no overlimit fee
First Bank and Trust Visa Gold Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $25
Late Payment Fee $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 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 a foreign transaction fee.

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 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 Visa Gold Rewards Credit Card

  • Visit the First Bank and Trust Visa Gold Rewards Credit 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 2 states
  • Minnesota
  • South Dakota

Feature Breakdown

Every Purchase (Points) 1
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
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 1%
Minimum Interest Charge $0.50
Returned Payment Fee $25
Late Fee Amount $25
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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Price Protection
Rewards Categories Every Purchase
Cash Advance APR (Variable APR) 13.9%
Purchase APR (Variable APR) 13.9%
Balance Transfer APR (Variable APR) 13.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
Card Network Visa

Be the first to rate

 

Would you recommend First Bank and Trust Visa Gold Rewards Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

First Bank and Trust Personal Credit Cards

Loading...