First Bank & Trust Co. Max Cash Preferred Visa Review

First Bank & Trust Co. Max Cash Preferred Visa 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 is everything you need to know to make a good choice.

• 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 up to 3% on balance transfers. After the introductory period, the fee is 3%. For example, a balance of $1,000 could cost up to $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 stand a chance of qualifying if your credit score is not below 600.

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.

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

First Bank & Trust Co. Max Cash Preferred Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward.

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

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

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 & Trust Co. Max Cash Preferred Visa has lower than average purchase APRs.

First Bank & Trust Co. Max Cash Preferred Visa 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.

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

The following fees apply to First Bank & Trust Co. Max Cash Preferred Visa:

• 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

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.