Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
First State Bank and Trust Co.
LOGIN

Credit Cards



Local decisions and personalized support from the First State Bank & Trust team you know and trust makes
choosing the right full-service credit card from your hometown bank easier than ever.
Plus, enjoy the convenience of managing your credit card with the FSBT 1View Digital Banking!

 


Cash Back Rewards Card

The rewarding experience that helps you earn even more rewarding experiences.
If maximizing your cash back on everyday purchases is what you are looking for in a credit card, this is the ideal card for you!

Special Introductory Offer:

$150 Cash Back*
0% APR for 12 MO. on purchases1
0% apr for 12 MO. on transfers1


Cash back rewards, including:
      • 2% back on gas, grocery purchases, and recurring payments.
      • 1% back on all other qualifying purchases
No annual fees
Same-day issuance UPON APPROVAL
Easy access through FSBT 1VieW Digital Banking
    •  Access & manage your credit card account
    •  Set Transaction Limits
    •  Set Alerts
    •  Set Location Boundaries



Traditional Card

Enjoy the convenience of a full-service credit card from your hometown bank
with 0% APR on all purchases and transfers for one year and no annual fee! 

Special Introductory Offer:

0% APR for 12 mo. on purchases1

0% APR for 12 mo. on TRANSFERS1


No annual fees
Same-day issuance UPON APPROVAL
Easy access through FSBT 1VieW Digital Banking
    •  Access & manage your credit card account
    •  Set Transaction Limits
    •  Set Alerts
    •  Set Location Boundaries



Traditional Secured Card

Build and strengthen your credit with this full-service secured credit card
from your hometown bank with a low annual fee.


Special Introductory Offer:

$25 annual fee


Same-day issuance UPON APPROVAL
Easy access through FSBT 1VieW Digital Banking
    •  Access & manage your credit card account
    •  Set Transaction Limits
    •  Set Alerts
    •  Set Location Boundaries




Business Cash Back Rewards Card

All the big perks and personalized service of your hometown bank are maximized with this full-service credit card.
If maximizing your cash back on purchases is what you are looking for in a credit card, this is the ideal card for your business!


Special Introductory Offer:

$250 Cash Back**
0% APR for 6 Mo. on purchases2

0% APR for 6 Mo. on transfers2


Cash back rewards, including:
      • 2% back on gas/travel/restaurant purchases
      • 1% back on all other qualifying purchases
No annual fees
Same-day issuance UPON APPROVAL
✔ Commercial 360 - Manage employee cards
    •  Access & manage your credit card account
    •  Set Transaction Limits
    •  Set Alerts
    •  Set Location Boundaries
   


*Introductory offers include $150 cash back for the first $1,000 spent in first 90 days. Your account must be open and in good standing to earn cash back. First State Bank & Trust account required for redemption. Rewards must be redeemed within 24 months from the time earned or they will expire. Please read the Credit Card Terms & Conditions, Credit Card Privacy Policy, and Credit Card Rewards Policy for full disclosures. 

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 and Credit Card Privacy Policy for full disclosures.

**Introductory offers include $250 cash back for the first $2,000 spent in first 90 days. Your account must be open and in good standing to earn cash back. First State Bank & Trust account required for redemption. Rewards must be redeemed within 24 months from the time earned or they will expire. Please read the Credit Card Terms & Conditions, Credit Card Privacy Policy, and Credit Card Rewards Policy for full disclosures.

20.00% introductory APR for 6 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 and Credit Card Privacy Policy 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 http://www.consumerfinance.gov/learnmore