Bank · FDIC insured
First State Bank & Trust Credit Card Rates
First State Bank & Trust credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First State Bank & Trust’s credit card rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where First State Bank & Trust has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First State Bank & Trust
9.90%APR
- Up to
- 15.90% APR
First State Bank & Trust Visa® Platinum Credit Card
Lowest rate
R-G Federal Credit Union
8.75%APR
- Up to
- —
2nd-lowest rate
1st MidAmerica Credit Union
8.90%APR
- Up to
- —
First State Bank & Trust credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First State 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.
First State Bank & Trust Visa® Platinum Credit Card
Fixed interest rate that won't increase, even if late on a payment. Good to Excellent credit required, based on credit approval. No annual fee and no balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–15.90% | None | Fixed APR between 9.9% - 15.9% based on credit approval for purchases. Good - Excellent credit level. |
Sources (2)
All captured Oct 16, 2026
First State Bank & Trust Visa® Platinum Rewards Credit Card
Fixed interest rate that won't increase, even if late on a payment. Good to Excellent credit required, based on credit approval. No annual fee and no balance transfer fee. Earn 1 point per dollar spent on any purchase. Redeem for a variety of items.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90%–16.90% | None | Fixed APR between 10.9% - 16.9% based on credit approval for purchases. Good – Excellent credit level. Earn 1 point per dollar spent on any purchase. |
Sources (2)
All captured Oct 16, 2026
Opening an account
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