Last Updated: 07/28/2025
First Bank & Trust Co. Everyday Rewards+ Card
Unaffiliated
in Credit Cards from First Bank & Trust Co.
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.49% - 27.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.49% - 27.49%(Verified 06/21/2024)
Credit Score Range
650 - 840
Annual Fee
$0
First Bank & Trust Co. Everyday Rewards+ Card Review
This is a rewards card issued by First Bank & Trust Co.. If you're wondering whether First Bank & Trust Co. Everyday Rewards+ Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- $200 bonus (20,000 points) after $1,000 in eligible net purchases are made within the first 120 days of account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.49% up to 27.49%.
- 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.
- A 3% balance transfer fee. First Bank & Trust Co. Everyday Rewards+ 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 up to 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of First Bank & Trust Co. Everyday Rewards
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First Bank & Trust Co. Everyday Rewards FAQ
Does First Bank & Trust Co. Everyday Rewards have a cash back or rewards program?
First Bank & Trust Co. Everyday Rewards is a rewards card.
| Description |
Does First Bank & Trust Co. Everyday Rewards have a signup bonus?
Yes. $200 bonus (20,000 points) after $1,000 in eligible net purchases are made within the first 120 days of account opening.
Does First Bank & Trust Co. Everyday Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for First Bank & Trust Co. Everyday Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.First Bank & Trust Co. Everyday Rewards+ Card has a variable purchase APR that ranges from 17.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 27.49%. It also has a variable cash advance APR of 28.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does First Bank & Trust Co. Everyday Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.49% - 27.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 186 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Bank & Trust Co. Everyday Rewards 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 & Trust Co. Everyday Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does First Bank & Trust Co. Everyday Rewards have a foreign transaction fee?
First Bank & Trust Co. Everyday Rewards charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 & Trust Co. Everyday Rewards?
The customer service number for First Bank & Trust Co. Everyday Rewards is .
What is the support contact email for First Bank & Trust Co. Everyday Rewards?
The support contact email for First Bank & Trust Co. Everyday Rewards is info@fb247.com.
What is the login page for First Bank & Trust Co. Everyday Rewards?
You can access the login page of First Bank & Trust Co. Everyday Rewards here.
How do people rate the customer service and user experience of First Bank & Trust Co. Everyday Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Bank & Trust Co. Everyday Rewards+ Card report your account activity to credit bureaus?
Yes, First Bank & Trust Co. Everyday Rewards+ Card reports to the following credit bureaus:
- 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 build your credit.
Does First Bank & Trust Co. perform a hard credit pull?
Yes, First Bank & Trust Co. Everyday Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Bank & Trust Co. Everyday Rewards
- Visit the website of First Bank & Trust Co. Everyday Rewards.
- 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.
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Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
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Saturday
Closed