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  First Bank and Trust Visa Signature Rewards Credit Card

First Bank and Trust Visa Signature Rewards Credit Card

in Personal Credit Cards from First Bank and Trust

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First Bank and Trust Visa Signature Rewards Credit Card

Unaffiliated

in Personal Credit Cards from First Bank and Trust

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Highlights
Purchase APR  (Variable APR) 14.24% - 24.24%
Balance Transfer APR  (Variable APR) 14.24% - 24.24%
Credit Score Range 670 - 840
Annual Fee N/A

First Bank and Trust Visa Signature Rewards Credit Card Review

This is a rewards credit card issued by First Bank and Trust. If you're wondering whether First Bank and Trust Visa Signature Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. First Bank and Trust Visa Signature Rewards Credit Card has a variable purchase APR that ranges from 14.24% up to 24.24%.
  • 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.
  • Accepts cosigners. First Bank and Trust is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of First Bank and Trust Visa Signature Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 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 Signature Rewards Credit Card is accepted.
  • First Bank and Trust Visa Signature Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
First Bank and Trust Visa Signature Rewards Credit Card FAQ

Does First Bank and Trust Visa Signature Rewards Credit Card have a cash back or rewards program?

First Bank and Trust Visa Signature Rewards Credit Card is a travel rewards card.

First Bank and Trust Visa Signature Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Annual Loyalty Bonus (Points/Miles) 4000
Annual Loyalty Bonus Spend Requirement $20000

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 4000 points after spending $20000 that can be redeemed for travel, gifts, and other perks.

What are the First Bank and Trust Visa Signature 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 Signature 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 24.24%. It also has a variable cash advance APR that ranges from 14.24% up to 24.24%.

Does First Bank and Trust Visa Signature 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 Signature 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 Signature Rewards Credit Card?

The following fees apply:

First Bank and Trust Visa Signature Rewards Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee $25
Late Payment Fee $25

Does First Bank and Trust Visa Signature Rewards Credit Card have a foreign transaction fee?

First Bank and Trust Visa Signature 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.

Does First Bank and Trust Visa Signature Rewards Credit Card report your account activity to credit bureaus?

Yes, First Bank and Trust Visa Signature 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 Signature Rewards Credit Card

  • Visit the First Bank and Trust Visa Signature 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 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
Co-signing Allowed
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 670 - 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
Annual Loyalty Bonus (points) 4,000
Annual Loyalty Bonus Spend Requirement $20,000
Rewards Categories
  • Every Purchase
  • Hotels
  • Retail
  • Travel
Cash Advance APR (Variable APR) 14.24% - 24.24%
Purchase APR (Variable APR) 14.24% - 24.24%
Balance Transfer APR (Variable APR) 14.24% - 24.24%
Card Type
  • Rewards
  • Travel
  • Bonus Offers
Card Network Visa

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