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First State Bank and Trust Co.

Traditional Credit Card

Get the credit you need with no annual fee and 0% APR all purchases and balance transfers for one year. It's the perfect credit card to use for online purchases or enjoying cashless shopping. Local decisions and personalized support from the First State Bank & Trust team you know and trust makes choosing this full-service credit card from your hometown bank easier than ever!

0% APR for 12 mo. On Purchases1

0% APR for 12 mo. On transfers1


0% APR for 12 months

No Annual Fee

on purchases and transfers*

Earn cash back with no extra fees.

✔ Same-day issuance Upon Approval
✔ Easy access through FSBT 1View Digital Banking
  • Access and manage your credit card account
  • Set Transaction Limits
  • Set Alerts
  • Set Location Boundaries

Credit Card Terms & Conditions

Credit Card Privacy Policy

I0.00% introductory APR for 12 months. After that, your APR will vary with the market based on the Prime Rate and based on your creditworthiness. If you take advantage of a 0% Introductory or Promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by payment due date, the amount that equals 1) the Minimum Payment Due, plus 2) the total outstanding Purchase balance; plus 3) the total of any outstanding balance(s) that is not a 0% promotional APR, such as a cash advance, plus 4) any account fees. Please read the Credit Card Terms & Conditions(Opens in a new Window) and Credit Card Privacy Policy(Opens in a new Window) for full disclosures.

Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality, and other requirements.

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 any interest on purchases if you pay your entire balance by the due date each month. 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