
First Bank and Trust Visa Gold Rewards Credit Card
in Personal Credit Cards from First Bank and Trust
UnaffiliatedFirst Bank and Trust Visa Gold Rewards Credit Card
in Personal Credit Cards from First Bank and Trust
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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
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 |
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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.
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.Description | |
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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
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.
Contact
- Headquarters
-
520 6th Street
Brookings, SD 57006 - Visit Site
Other Services by First Bank and Trust

Availability
- Minnesota
- South Dakota
Feature Breakdown
Every Purchase (Points) | 1 |
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