Credit Cards
Credit Cards are not insured by the FDIC, not a deposit, and may lose value.
Local decisions and personalized support from the First State Bank & Trust team you know and trust makes
choosing the right full-service credit card from your hometown bank easier than ever.
Plus, enjoy the convenience of managing your credit card with the FSBT 1View Digital Banking!
choosing the right full-service credit card from your hometown bank easier than ever.
Plus, enjoy the convenience of managing your credit card with the FSBT 1View Digital Banking!
Cash Back Rewards CardThe rewarding experience that helps you earn even more rewarding experiences.
If maximizing your cash back on everyday purchases is what you are looking for in a credit card, this is the ideal card for you! |
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 Special Introductory Offer:$150 Cash Back*
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Traditional CardEnjoy the convenience of a full-service credit card from your hometown bank
with 0% APR on all purchases and transfers for one year and no annual fee! |
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 Special Introductory Offer:0% APR for 12 mo. on purchases1
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Traditional Secured CardBuild and strengthen your credit with this full-service secured credit card
from your hometown bank with a low annual fee. |
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Business Cash Back Rewards CardAll the big perks and personalized service of your hometown bank are maximized with this full-service credit card.
If maximizing your cash back on purchases is what you are looking for in a credit card, this is the ideal card for your business! |
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 Special Introductory Offer:$250 Cash Back**
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*Introductory offers include $150 cash back for the first $1,000 spent in first 90 days. Your account must be open and in good standing to earn cash back. First State Bank & Trust account required for redemption. Rewards must be redeemed within 24 months from the time earned or they will expire. Please read the Credit Card Terms & Conditions, Credit Card Privacy Policy, and Credit Card Rewards Policy for full disclosures.
I0.00% introductory APR for 12 months. After that, your APR will vary with the market based on the Prime Rate and based on your creditworthiness. If you take advantage of a 0% Introductory or Promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by payment due date, the amount that equals 1) the Minimum Payment Due, plus 2) the total outstanding Purchase balance; plus 3) the total of any outstanding balance(s) that is not a 0% promotional APR, such as a cash advance, plus 4) any account fees. Please read the Credit Card Terms & Conditions and Credit Card Privacy Policy for full disclosures.
**Introductory offers include $250 cash back for the first $2,000 spent in first 90 days. "Redemption" occurs automatically. A credit equal to the Cash Back Rewards earned during that billing cycle will be applied to each month's credit card purchase balance. The statement credit will be applied to the total balance and a minimum payment is still expected to be made each month. If a return has occurred and rewards have already been calculated and/or reported on statement credit, the return transaction will show as a negative amount within the statement credit. Rewards must be redeemed within 24 months from the time earned or they will expire. Please read the Credit Card Terms & Conditions(Opens in a new Window), Credit Card Privacy Policy(Opens in a new Window), and Credit Card Rewards Policy(Opens in a new Window) for full disclosures.
20.00% introductory APR for 6 months. After that, your APR will vary with the market based on the Prime Rate and based on your creditworthiness. If you take advantage of a 0% Introductory or Promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by payment due date, the amount that equals 1) the Minimum Payment Due, plus 2) the total outstanding Purchase balance; plus 3) the total of any outstanding balance(s) that is not a 0% promotional APR, such as a cash advance, plus 4) any account fees. Please read the Credit Card Terms & Conditions and Credit Card Privacy Policy for full disclosures.
Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality, and other requirements.
How to Avoid Paying Interest on Purchases - Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau - To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
I0.00% introductory APR for 12 months. After that, your APR will vary with the market based on the Prime Rate and based on your creditworthiness. If you take advantage of a 0% Introductory or Promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by payment due date, the amount that equals 1) the Minimum Payment Due, plus 2) the total outstanding Purchase balance; plus 3) the total of any outstanding balance(s) that is not a 0% promotional APR, such as a cash advance, plus 4) any account fees. Please read the Credit Card Terms & Conditions and Credit Card Privacy Policy for full disclosures.
**Introductory offers include $250 cash back for the first $2,000 spent in first 90 days. "Redemption" occurs automatically. A credit equal to the Cash Back Rewards earned during that billing cycle will be applied to each month's credit card purchase balance. The statement credit will be applied to the total balance and a minimum payment is still expected to be made each month. If a return has occurred and rewards have already been calculated and/or reported on statement credit, the return transaction will show as a negative amount within the statement credit. Rewards must be redeemed within 24 months from the time earned or they will expire. Please read the Credit Card Terms & Conditions(Opens in a new Window), Credit Card Privacy Policy(Opens in a new Window), and Credit Card Rewards Policy(Opens in a new Window) for full disclosures.
20.00% introductory APR for 6 months. After that, your APR will vary with the market based on the Prime Rate and based on your creditworthiness. If you take advantage of a 0% Introductory or Promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by payment due date, the amount that equals 1) the Minimum Payment Due, plus 2) the total outstanding Purchase balance; plus 3) the total of any outstanding balance(s) that is not a 0% promotional APR, such as a cash advance, plus 4) any account fees. Please read the Credit Card Terms & Conditions and Credit Card Privacy Policy for full disclosures.
Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality, and other requirements.
How to Avoid Paying Interest on Purchases - Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau - To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore