
Please find below credit cards offered by The First Bank and Trust Company.
Compare The First Bank and Trust Company Credit Cards

Not Offered
Not Offered
30.24% - 30.49% (V)
annual fee
$0
rewards rate
None
Fair
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
- Foreign fee
Additional Info
- You can apply for the card if you have been pre-approved and received an offer/reservation.
- $0 Fraud Liability if your card is lost or stolen.
- FICO Score for free.
- Based on your creditworthiness you can receive an offer where you're automatically enrolled in Mercury's Rewards program.
Featured Credit Cards
Ad DisclosureNot Offered
Not Offered
14.99% - 29.99%
annual fee
$0
rewards rate
1.5% Cash Back
Fair
Pros
- No membership fees
- Qualify with fair credit
Cons
- APR up to 29.99%
- No grace period
Rewards Details
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Additional Info
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability

Not Offered
Not Offered
18.24% - 32.24% (V)
annual fee
$0
rewards rate
1 - 1.5% Cash Back
Limited History
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards bonus
- No balance transfers allowed
Rewards Details
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
Additional Info
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 18.24% - 32.24%
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
Not Offered
Not Offered
30.49% (V)
annual fee
$0
rewards rate
None
Limited History
Pros
- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
Cons
- No rewards
- High regular APR
- No reduced introductory rates
Additional Info
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
The First Bank and Trust Company Credit Card Reviews
What's Your Rating?
Now I have to get the Attorney General involved! Not giving up!
I try to keep my balance low, always pay on time, and pay more than the minimum. Mercury has rewarded me by substantially increasing my credit limit, which has really helped my credit score.
The First Bank and Trust Company Credit Cards FAQ
Get answers to your questions about The First Bank and Trust Company Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
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How can I pay my Mercury Credit Card?
The easiest way you can pay your Mercury Credit Card is either by signing in to your account, where you can also set up autopay to avoid late fees, or through the mobile app for iOS and Android. Alternatively, you can pay as a guest or over the phone at (866) 686-2158. Lastly, you can also send a payment via mail.
Here's how you can pay your Mercury Credit Card:
- Online: To make a Mercury Credit Card payment online, log in to your account...
What's the Mercury Credit Card customer service number?
The Mercury Credit Card customer service number is (866) 686-2158. When you call, you will first need to enter your card or account number. If you don't have the information at hand, press 0. The automated system will then give you several menu options to choose from.
If you need assistance applying for a Mercury Credit Card, call (833) 766-4844 and a customer service representative will walk you through the process.
How to contact Mercury Credit Card customer service:
- ...
What credit bureau does the Mercury Credit Card use for approval?
The Mercury Credit Card can use any of the major credit bureaus (TransUnion, Experian, or Equifax) for approval. Regardless of the bureau they choose to pull from, it will always appear as a hard pull on your credit.
And when it comes to your financial activity, the Mercury Credit Card will report it to all three major credit bureaus on a monthly basis.
How can I buy a gift card with my Mercury Credit Card?
You can buy a gift card with your Mercury Credit Card through any store that accepts credit card payment for gift cards. Some big chains (like Walmart and Target) will allow you to do it, but you can also buy from online stores (like Amazon.com).
However, not all stores allow this, as buying gift cards with counterfeit or stolen credit cards is a pretty common practice.
Can I use my Mercury Credit Card anywhere?
Yes, you can use your Mercury Credit Card anywhere Mastercard is accepted. Since Mastercard is the most widely accepted credit card network, it means you can use it in more than 210 countries and territories. Just bear in mind that this card has a 3% foreign transaction fee.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.