FirstBank & Trust

Credit Cards

Unsecured Credit Cards

There are times when you need access to additional funds, whether it be for a family emergency or a large purchase. Our unsecured credit cards give you access to additional funds without substantial penalties or changing interest rates.

Apply Now **


  • Low annual percentage rate (APR) of 7.99% 
  • Interest rates won't go up due to missed or late payments
  • Low late fees
  • No annual fee
  • Earn bonus points redeemable for free gifts and travel rewards

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See disclosures for unsecured credit cards.

Annual Percentage Rate (APR) for Purchases 7.99% Fixed
APR for Balance Transfers 7.99% Fixed
APR for Cash Advances 9.99% Fixed
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, you will be charged no less than $1.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fee     None
Transaction Fees      
  Balance Transfer   None
   Cash Advance   Either $3.00 or 3% of the amount of each cash advance, whichever is greater.
Penalty Fees      
  Late Payment   Up to 37.00 if the minimum payment is not received within 10 days of the payment due date
  Returned Payment   Up to $30.00
Other Fees      
  Research   $25 per hour ($25 Minimum)
   Copies   $2 per item
How we will Calculate your Balance:  We use a method called "average daily balance (including new purchases)."  See your account agreement for more details.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Payment made when any "Introductory APR" is in effect will be credited first to the Introductory Plan prior to applying to any other balance.

Bonus Point Program: Earn Bonus Points redeemable for FREE gift and Travel Awards!  Simply use your FirstBank and Trust Credit Card and start earning today. Bonus points are reported on your monthly card statement. To find out how the plan works, ask one of our representatives or visit for more information.


*FirstBank unsecured credit cards are subject to credit approval.

**Applications can be mailed to FirstBank & Trust PO Box 179 Wilson, TX 79381, faxed to (806) 628-6483 or dropped off at any FirstBank & Trust branch.

+Penalty rate may apply when payments on secured credit card are late.


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