First Bank & Trust Co. Platinum Card Review

First Bank & Trust Co. Platinum Card is a credit card issued by First Bank & Trust Co.. If you're wondering whether First Bank & Trust Co. Platinum Card 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 15 months, which is longer than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
• Competitive APRs. First Bank & Trust Co. Platinum Card has a variable purchase APR that ranges from 13.49% up to 23.49%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. First Bank & Trust Co. Platinum Card 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 580.

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. 0% APR on new purchases during the first 15 months. No annual fee. Considers applicants with fair or poor credit. First Bank & Trust Co. Platinum Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 2%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee. After the introductory period, the fee is 3% of the balance transferred or $5, whichever is greater.

Is there a First Bank & Trust Co. Platinum Card cash back or rewards program?

No, First Bank & Trust Co. Platinum Card does not offer a rewards program.

What are the First Bank & Trust Co. Platinum Card benefits?

First Bank & Trust Co. Platinum Card provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for First Bank & Trust Co. Platinum Card?

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. Platinum Card has lower than average purchase APRs.

First Bank & Trust Co. Platinum Card has a variable purchase APR that ranges from 13.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 13.49% 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. Platinum Card?

The following fees apply to First Bank & Trust Co. Platinum Card:

• There is no overlimit fee

First Bank & Trust Co. Platinum Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	2%
Late Payment Fee	$40

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

Yes, First Bank & Trust Co. Platinum 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. Platinum Card

• Visit the First Bank & Trust Co. Platinum 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.