
First Bank & Trust Co. Max Cash Preferred Visa
in Personal Credit Cards from First Bank & Trust Co.
UnaffiliatedFirst Bank & Trust Co. Max Cash Preferred Visa
in Personal Credit Cards from First Bank & Trust Co.
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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
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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
The Good | The Bad |
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Is there a First Bank & Trust Co. Max Cash Preferred Visa cash back or rewards program?
First Bank & Trust Co. Max Cash Preferred Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | 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, First Bank & Trust Co. Max Cash Preferred Visa 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?
First Bank & Trust Co. Max Cash Preferred Visa 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 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.
Does First Bank & Trust Co. Max Cash Preferred Visa have an introductory APR offer on balance transfers?
Yes, First Bank & Trust Co. Max Cash Preferred Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
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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 introductory APR offer on new purchases?
First Bank & Trust Co. Max Cash Preferred Visa does not offer an introductory rate on new purchases.Description |
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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
Fees | Amount |
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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 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 a foreign transaction fee.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.
Contact
- Headquarters
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301 W. Main Street
Ardmore, OK 73401 - Visit Site
Other Services by First Bank & Trust Co.

Availability
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 |
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