Bank · FDIC insured
First Bank & Trust Credit Card Rates
First Bank & Trust credit cards start at 13.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How First Bank & Trust’s credit card rates compare
Compared with banks and credit unions near Tulsa, OK, where First Bank & Trust has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First Bank & Trust
13.99%APR
Low Rate Card MasterCard
Lowest rate
First Family Federal Credit Union
9.90%APR
2nd-lowest rate
Western Sun Federal Credit Union
10.00%APR
First Bank & Trust credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR13.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Bank & Trust ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Low Rate Card MasterCard
25-day grace period on all purchases; no grace period for cash advances or cash equivalent transactions. Account APR will never exceed 21%. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Intro Rate of 2.9% for the first 6 months. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- fbt.bank/credit-cards · captured Oct 7, 2026
World Card and Preferred Points Card MasterCard
25-day grace period on all purchases; no grace period for cash advances or cash equivalent transactions. Account APR will never exceed 21%. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Intro Rate of 2.9% for the first 6 months. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- fbt.bank/credit-cards · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.