Whether you are looking for a card with rewards options or no annual fee, First Trust has the right card for you.

  • Visa® Classic
  • Visa® Platinum
  • Gold MasterCard®

All three cards are available in two options, Low Rate Card or Preferred Points Card. These cards are acceptable worldwide at businesses, financial institutions, and ATM's.

Low Rate Card

Benefits

  • Competitive annual percentage rate (APR).*
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Features

  • No annual fee.
  • Low introductory rate for the first six months.*
  • Competitive APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Preferred Points Card

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Features

  • No annual fee.
  • Low introductory rate for first six months.*
  • Competitive APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Cash advances can be made for up to 50% of the credit line.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

Apply Now!

  • Complete the application
  • To submit the application: Print, sign and deliver the application to First Trust & Savings Bank in Watseka or Clifton; or fax the completed application to the Card Service Center at 972-650-7054.

*Please see application for information about current APRs and fees.

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