Personal Credit Cards

Personal Credit Cards with Reliability and Worldwide Acceptance

Don’t overlook a First Bank and Trust VISA® Credit Card as a convenient credit option when you need it. First Bank and Trust credit cards offer you reliability and worldwide acceptance at over 30 million locations. Shopping, dining, travel and online purchases are available with a VISA credit card.

We have two cards — the VISA Platinum and the VISA Classic. Both cards give you flexible credit at a prime-based rate.

VISA Platinum Card
VISA® Platinum Card

VISA Platinum Card gives you all the confidence you expect from VISA with these extra benefits:

  • No Annual Fee
  • A credit limit of $5,000 or more.
  • Prime-based Rate: Wall Street Journal Prime + 8.65%
  • Auto Rental Insurance. Worldwide coverage, 24-hours a day for collision damage or theft for up to the value of the car
  • Reward Points Program. First Bank and Trust automatically adds a Bonus Point Program to your VISA Platinum Card. Find out more at

VISA Classic Card
VISA® Classic Card

VISA Classic Card fits your style and budget with these features:

  • No Annual Fee
  • A credit limit from $500 to $5,000.
  • Prime-based Rate: Wall Street Journal Prime + 11.65%
  • Auto Rental Insurance. Worldwide coverage, 24-hours a day for collision damage or theft for up to the value of the car

Credit Card Access Options for all Our Credit Cards

  • Account Information: Go to to check your account's status.
  • Payments: Pay by monthly statement or for more convenience set up your payment for auto draft. Or go online at to pay online.
  • Emergency Card Replacement/Emergency Cash Disbursement. This efficient, 24x7x365 worldwide service allows you to quickly and easily get a replacement Visa card sent to you and/or receive emergency cash at a convenient location. Call 1-800-VISA-911 (1-800-847-2911) or visit
  • Auto Rental Collision Damage Waiver1 Now you have one less thing to worry about when you rent a car. With your Visa card, you’re covered for damage due to collision or theft so you can rest easy in your rental. Secure and charge your rental to your covered card and decline the collision damage waiver (or loss damage wavier) offered by the rental agency.
  • Zero Fraud Liability2 Your peace of mind and protection are paramount. You won't be held responsible for fraudulent charges made with your card or account information.
  • UChoose Rewards®3 Available on the VISA Platinum card only. Earn Bonus Points for every net retail purchase you make with your First Bank and Trust Platinum Credit Card! You can redeem Bonus Points for brand-name merchandise , exciting travel awards and gift cards. Visit and browse the current award selections. You’ll be amazed at what UChoose® has to offer®!

1Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.

2Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify us immediately of any unauthorized use.

3Qualified purchases include VISA signature-based transactions, including online and other purchases where no PIN is required. Exclusions include; gaming related purchases, cash advances, balance transfers and PIN based transactions. Points expire after two years on a monthly basis.

Lost or Stolen Credit Cards

Makes it easy to report a lost or stolen Visa card anytime, 24x7x365 from anywhere in the world. Just call 1-800-VISA-911, or, internationally, call collect at +1-303-967-1096 or visit

Remit Payments

First Bank and Trust
PO Box 2711
Omaha, NE 68103-2711