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  First Bank & Trust Co. Max Cash Preferred Visa

First Bank & Trust Co. Max Cash Preferred Visa

in Personal Credit Cards from First Bank & Trust Co.

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First Bank & Trust Co. Max Cash Preferred Visa

Unaffiliated

in Personal Credit Cards from First Bank & Trust Co.

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Highlights
Purchase APR  (Variable APR) 14.49% - 23.49%
Balance Transfer APR  (Variable APR) 14.49% - 23.49%
Credit Score Range 600 - 840
Annual Fee $0

First Bank & Trust Co. Max Cash Preferred Visa Review

This is a cashback credit card issued by First Bank & Trust Co.. If you're wondering whether First Bank & Trust Co. Max Cash Preferred Visa 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Signup bonus. Offers a signup bonus of $150 if you spend $500 within 3 months.
  • Competitive APRs. First Bank & Trust Co. Max Cash Preferred Visa has a variable purchase APR that ranges from 14.49% up to 23.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. First Bank & Trust Co. Max Cash Preferred Visa 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 2% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of First Bank & Trust Co. Max Cash Preferred Visa
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere First Bank & Trust Co. Max Cash Preferred Visa is accepted.
  • First Bank & Trust Co. Max Cash Preferred Visa reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee. After the introductory period, the fee is 3% of the balance transferred or $5, whichever is greater.
  • Does not include many credit card benefits.
First Bank & Trust Co. Max Cash Preferred Visa FAQ

Does First Bank & Trust Co. Max Cash Preferred Visa have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

First Bank & Trust Co. Max Cash Preferred Visa Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $150
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does First Bank & Trust Co. Max Cash Preferred Visa have a signup bonus?

Yes, it offers card users a signup bonus worth up to $150 after spending $500.

Does First Bank & Trust Co. Max Cash Preferred Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for First Bank & Trust Co. Max Cash Preferred Visa?

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 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR of 25.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does First Bank & Trust Co. Max Cash Preferred Visa have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

First Bank & Trust Co. Max Cash Preferred Visa Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does First Bank & Trust Co. Max Cash Preferred Visa 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. Max Cash Preferred Visa?

The following fees apply:

  • There is no overlimit fee
First Bank & Trust Co. Max Cash Preferred Visa Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee $40
Late Payment Fee $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does First Bank & Trust Co. Max Cash Preferred Visa have a foreign transaction fee?

First Bank & Trust Co. Max Cash Preferred Visa charges a foreign transaction fee of 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. Max Cash Preferred Visa?

The First Bank & Trust Co. Max Cash Preferred Visa customer service number is .

What is the support contact email for First Bank & Trust Co. Max Cash Preferred Visa?

The support contact email for First Bank & Trust Co. Max Cash Preferred Visa is info@fb247.com.

Does First Bank & Trust Co. Max Cash Preferred Visa report your account activity to credit bureaus?

Yes, First Bank & Trust Co. Max Cash Preferred Visa 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 & Trust Co. Max Cash Preferred Visa

  • Visit the First Bank & Trust Co. Max Cash Preferred Visa 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 1 state
Oklahoma
Availabile in all of Oklahoma

Feature Breakdown

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $2
Returned Payment Fee $40
Late Fee Amount $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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 600 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Rates
  • Every Purchase
Signup Bonus $150
Cash Advance APR (Variable APR) 25.99%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Bonus Offers
Card Network Visa

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