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  First Bank & Trust Co. Max Cash Secured Card
First Bank & Trust Co. Max Cash Secured Card Unaffiliated

First Bank & Trust Co. Max Cash Secured Card

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Highlights
Purchase APR  (Variable APR) 28.99%
(Verified 10/24/2022)
Balance Transfer APR  (Variable APR) 28.99%
(Verified 10/24/2022)
Credit Score Range N/A
Annual Fee $0

First Bank & Trust Co. Max Cash Secured Card Review

This is a secured credit card cashback credit card issued by First Bank & Trust Co.. If you're wondering whether First Bank & Trust Co. Max Cash Secured Card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 28.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. First Bank & Trust Co. Max Cash Secured 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 2% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.

Pros & Cons of First Bank & Trust Co. Max Cash Secured Card

The Good The Bad
  • No annual fee.
  • First Bank & Trust Co. Max Cash Secured Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

First Bank & Trust Co. Max Cash Secured Card FAQ

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

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the First Bank & Trust Co. Max Cash Secured Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for First Bank & Trust Co. Max Cash Secured Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

First Bank & Trust Co. Max Cash Secured Card has a variable purchase APR of 28.99%. The card has a variable balance transfer APR of 28.99% . 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. Max Cash Secured Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does First Bank & Trust Co. Max Cash Secured Card 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 Secured Card?

The following fees apply:

  • There is no overlimit fee
First Bank & Trust Co. Max Cash Secured Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $41
Late Payment Fee up to $41

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 Secured Card have a foreign transaction fee?

First Bank & Trust Co. Max Cash Secured Card 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 Secured Card?

The First Bank & Trust Co. Max Cash Secured Card customer service number is .

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

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

What is the First Bank & Trust Co. Max Cash Secured Card login page?

You can access the First Bank & Trust Co. Max Cash Secured Card login page here.

How do people rate the customer service and user experience of First Bank & Trust Co. Max Cash Secured Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, First Bank & Trust Co. Max Cash Secured 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 & Trust Co. Max Cash Secured Card

  • Visit the First Bank & Trust Co. Max Cash Secured 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.

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 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • 5% Cash Back on Internet / Cable / Phone Services
  • 2% Cash Back on Gas
  • 2% Cash Back on Groceries
  • 2% Cash Back on Restaurants
  • 5% Cash Back on Utilities
  • 1% Cash Back on Every Purchase
Security Deposit Starting at $300
Cash Advance APR (Variable APR) 28.99%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 28.99%
(Verified 10/24/2022)
Balance Transfer APR (Variable APR) 28.99%
(Verified 10/24/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Secured
  • Cashback
Card Network Visa

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