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  First Bank and Trust Visa Gold Rewards Credit Card
First Bank and Trust Visa Gold Rewards Credit Card Unaffiliated

First Bank and Trust Visa Gold Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 13.9%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 13.9%
(Verified 08/04/2023)
Credit Score Range 650 - 840
Annual Fee $0

First Bank and Trust Visa Gold Rewards Credit Card Review

This is a cashback 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

  • 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 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 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 your credit score is above 650.

Pros & Cons of First Bank and Trust Visa Gold Rewards Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • 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

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.

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?

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

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 foreign transaction fees.

What is the customer service phone number for First Bank and Trust Visa Gold Rewards Credit Card?

The First Bank and Trust Visa Gold Rewards Credit Card customer service number 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 First Bank and Trust Visa Gold Rewards Credit Card login page?

You can access the First Bank and Trust Visa Gold Rewards Credit Card login page 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 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.

Other Credit Cards by First Bank and Trust

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Availability

  Available in 2 states
  • Minnesota
  • South Dakota

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $5
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.50
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $25
Paper Statement Fee $2.50
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
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
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 13.9%
APR Type Variable APR
Purchase APR (Variable APR) 13.9%
(Verified 08/04/2023)
Balance Transfer APR (Variable APR) 13.9%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
Card Network Visa

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