First Bank and Trust Visa Gold Rewards Credit Card
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| Purchase APR (Variable APR) | 13.9% |
| Balance Transfer APR (Variable APR) | 13.9% |
| Credit Score Range | 650 - 840 |
| Annual Fee | $0 |
First Bank and Trust Visa Gold Rewards Credit Card Review
This is a cashback credit card issued by First Bank and Trust. If you're wondering whether First Bank and Trust Visa Gold Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. First Bank and Trust Visa Gold Rewards Credit Card has a variable purchase APR of 13.9%
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of First Bank and Trust Visa Gold Rewards Credit Card
| The Good | The Bad |
|---|---|
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First Bank and Trust Visa Gold Rewards Credit Card FAQ
Does First Bank and Trust Visa Gold Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does First Bank and Trust 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
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| 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.
Contact
- Headquarters
-
520 6th Street
Brookings, SD 57006 USA - Visit Site
- Email Support
Other Services by First Bank and Trust
Availability
- 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 |
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