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  First Bank & Trust Co. Platinum Card
First Bank & Trust Co. Platinum Card
in Personal Credit Cards from First Bank & Trust Co.
Unaffiliated

First Bank & Trust Co. Platinum Card

Unaffiliated
in Personal Credit Cards from First Bank & Trust Co.
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Highlights
Purchase APR  (Variable APR) 13.49% - 23.49%
Balance Transfer APR  (Variable APR) 13.49% - 23.49%
Credit Score Range 580 - 840
Annual Fee $0

First Bank & Trust Co. Platinum Card Review

This 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 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 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 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 580.
Pros & Cons of First Bank & Trust Co. Platinum Card
The Good The Bad
  • Potentially 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.
  • Extended warranty on purchases.
  • 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.
First Bank & Trust Co. Platinum Card FAQ

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

No, it does not offer a rewards program.

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

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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.

Does First Bank & Trust Co. Platinum Card 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 15 months.

First Bank & Trust Co. Platinum Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 13.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does First Bank & Trust Co. Platinum Card have an intro APR offer on new purchases?

First Bank & Trust Co. Platinum Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.

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

The following fees apply:

  • 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

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

Does First Bank & Trust Co. Platinum Card have a foreign transaction fee?

First Bank & Trust Co. Platinum 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 support contact email for First Bank & Trust Co. Platinum Card?

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

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

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

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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

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Availability

  Available in 1 state
Oklahoma
Availabile in all of Oklahoma

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
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
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 580 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 25.99%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 13.49% - 23.49%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 13.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Mastercard

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