First Bank & Trust Credit Cards

We found 3 First Bank & Trust credit cards. Read on to get more insights.

By Hanna Volkava
Updated November 01, 2024

Best Credit Cards in November 2024

Hide all
Show all
Mercury™ Mastercard® First Bank & Trust
Annual fee:
$0 - $79 annually
Regular APR:
29.99% Variable
Our Rating:
2.22
scorer
Credit score
Fair (580-669)
  • Rewards Rate:
    • 1x Point per $1 spent on qualifying purchases.
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    First Bank & Trust
  • Details:

    The Mercury™ Mastercard® Credit Card is issued by First Bank & Trust. The Card earns 1x point per $1 spent on qualifying purchases.

    The Mercury™ Mastercard® has a Variable APR of 29.99%.

    The Card's Annual Fee: $0 - $79 annually.

    You can apply for the card if you have been pre-approved and received an offer/reservation.

  • Pros:
    • Mastercard® Worldwide Acceptance
    • Free FICO Score
  • Cons:
    • High APR
    • Extra Fees
  • Benefits:
    • 1x point per $1 spent on qualifying purchases;
    • Reports to the three main credit bureaus;
    • Mercury™ Mastercard® App;
    • $0 Fraud Liability.
Card detail
First Bank & Trust Free Spirit® Points Mastercard®
Annual fee:
$0 - $79 annually
Regular APR:
29.99% Variable
Our Rating:
3.27
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 2x Points on Spirit purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 5,000x Bonus points after spending $500 on purchases within the first 90 days of account opening.
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    First Bank & Trust
  • Details:

    The Free Spirit® Points Mastercard® Credit Card is an invite-only airline rewards card.

    The Free Spirit® Points Mastercard® offers 5,000 bonus points after spending $500 on purchases within the first 90 days of account opening. The Card earns 2x points on Spirit purchases and 1x points on all other purchases

    The APR on purchases and balance transfers is 29.99% (Variable APR). The Card's annual fee: $0 - $79 annually.

  • Pros:
    • Travel perks
    • No cap on the points you can earn
  • Cons:
    • High APR
    • Annual Fee
    • No Intro Period
  • Benefits:
    • 5,000 bonus points (after spending $500 on purchases within the first 90 days of account opening);
    • 2x points on Spirit purchases;
    • 1x points on all other purchases;
    • Early boarding;
    • 25% rebate on food and beverage purchases on Spirit flights.
Card detail
First Bank & Trust Best Egg Visa®
Annual fee:
$0
Regular APR:
24.99% Variable
Our Rating:
1.91
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      First Bank & Trust
    • Details:

      The Best Egg Visa® Credit Card is a card designed for building or rebuilding credit.

      The Card has no annual fee. The APR for purchases is 24.99% Variable.

    • Pros:
      • No Annual Fee
      • No Foreign Transaction Fee
    • Cons:
      • Balance transfers are not available
      • No Intro APR period
    • Benefits:
      • Visa® Fraud Liability;
      • Access to your free credit score through Best Egg Financial Health;
      • Robust card controls and customizable alerts;
      • Access to the Community to earn rewards.
    Card detail

    How to Choose the Right First Bank & Trust Credit Card?

    Choosing the right credit card from a specific credit card issuer is quite challenging. Considering First Bank & Trust, there are three steps that can make your decision process easier.

    First and foremost, you need to figure out your current credit score. It can vary from "Poor” to “Excellent”, and the higher your credit is, the better First Bank & Trust credit card offers and terms are available to you.

    Then, you need to understand why you want a First Bank & Trust credit card and determine the most crucial aspects your future credit card must have. If you search for a credit card to increase your credit score, look for the ones with extended grace period and no annual fee. If your aim is to save money on interest, First Bank & Trust credit cards with the smallest interest and introductory rates are your best choice. If you need a credit card that will provide you cash, points, or miles rewards, check the rewards program the First Bank & Trust offers.

    As a third step, compare the First Bank & Trust credit cards you think are the best for you, but now looking at all the aspects. In general, an ideal credit card meet the following characteristics: low interest rate, low fees, high credit limit, and generous rewards and sign-up bonuses. You can easily compare First Bank & Trust credit cards in the table below.

    Side-by-Side Comparison of First Bank & Trust Credit Cards

    Card Name APR Annual fee Rewards Intro offer
    Mercury™ Mastercard® 29.99% Variable $0 - $79
  • 1x Point per $1 spent on qualifying purchases.
  • No current offer.
  • Free Spirit® Points Mastercard® 29.99% Variable $0 - $79
  • 2x Points on Spirit purchases.
  • 1x Points on all other purchases.
  • 5,000x Bonus points after spending $500 on purchases within the first 90 days of account opening.
  • Best Egg Visa® 24.99% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Conclusion

    Today, First Bank & Trust issues a range of credit cards with different features, yet it’s better to find the one that will be the best for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us