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.

• 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.

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%.

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

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% .

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 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.