First Bank and Trust Visa Signature Rewards Credit Card Review

First Bank and Trust Visa Signature Rewards Credit Card 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 is everything you need to know to make a good choice.

• 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 price protection, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 670.

The Good	The Bad
Lower than average purchase APRs. Multiple credit card perks. 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%.

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

First Bank and Trust Visa Signature Rewards Credit Card offers a rewards program to its customers.

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

What are the First Bank and Trust Visa Signature Rewards Credit Card benefits?

First Bank and Trust Visa Signature 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 Signature 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 Signature Rewards Credit Card has lower than average purchase 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%.

What are the fees for First Bank and Trust Visa Signature Rewards Credit Card?

The following fees apply to First Bank and Trust Visa Signature Rewards Credit Card:

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 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.