SuperMoney
  First Bank and Trust Visa Signature Rewards Credit Card
First Bank and Trust Visa Signature Rewards Credit Card Unaffiliated

First Bank and Trust Visa Signature Rewards Credit Card

Unaffiliated
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 9 reviews
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 $49

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%.
  • 3% Balance transfer fee. First Bank and Trust Visa Signature Rewards Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • 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
  • Potentially 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 their purchases.
  • First Bank and Trust Visa Signature Rewards Credit Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Charges an annual fee of $49
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.

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. This card has lower than average regular APRs.

First Bank and Trust Visa Signature Rewards Credit Card 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 $49
Foreign Transaction Fee 1%
Returned Payment Fee $35
Late Payment Fee $37

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.

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

The First Bank and Trust Visa Signature Rewards Credit Card customer service number is .

What is the support contact email for First Bank and Trust Visa Signature Rewards Credit Card?

The support contact email for First Bank and Trust Visa Signature Rewards Credit Card is info@bankeasy.com.

What is the First Bank and Trust Visa Signature Rewards Credit Card login page?

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

How do people rate the customer service and user experience of First Bank and Trust Visa Signature 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 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

Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $5
Foreign Currency Transaction Fee 1%
Annual Fee $49
Minimum Interest Charge $0.50
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $35
Paper Statement Fee $2.50
Late Fee Amount $37
Customer Type Personal
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
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
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Annual Loyalty Bonus (points) 4,000
Annual Loyalty Bonus Spend Requirement $20,000
Rewards Categories
  • 1.25x Points on Travel
  • 1.25x Points on Retail
  • 1.25x Points on Hotels
  • 1.25x Points on Every Purchase
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%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
  • Bonus Offers
Card Network Visa

Be the first to rate

 

Would you recommend First Bank and Trust Visa Signature Rewards Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

First Bank and Trust Credit Cards

Loading...