Credit Cards
Spend securely and earn rewards
First International Bank & Trust offers widely accepted Visa® options, with a great APR and the convenience of local service.
Find the card that’s right for you.
Answer a few quick questions and we’ll match you with the card suited for your spending habits.
| Do you typically carry a balance on your card? Yes No | Are rewards important in your decision to use a credit card? Yes No | Are you willing to pay an annual fee to receive more robust rewards? Yes No | Do you typically carry a balance on your card? Yes No | | Are rewards important in your decision to use a credit card? Yes No | Are you willing to pay an annual fee to receive more robust rewards? Yes No |
1 | 2 | Thank you for completing the questionnaire. Based upon your feedback, we recommend the Card for you. Learn more | Thank you for completing the questionnaire. Based upon your feedback, we recommend the Card for you. Learn more | 5 | | 7 | Thank you for completing the questionnaire. Based upon your feedback, we recommend the Card for you. Learn more |
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FIBT X Credit Card
eXperience the possibilities
Enjoy higher credit limits and greater flexibility in features and benefits with our premium credit card offer, the Visa X Card. Your everyday purchases, like dining, gas, and groceries, pay you back with the LiveFirst Rewards program.
- Earn 1.5 LiveFirst rewards points for each dollar, triple and double points on bonus categories
- 30,000 bonus LiveFirst Rewards points1
- Sleek metal design
- Access to Visa Concierge2
- Low $95 Annual Fee
- Click the X Card Visa Disclosures link below for a complete set of card rates and fees.
Apply Now or Explore X Card
X Card Visa Disclosures ›
Convert Existing FIBT Credit Card ›
FIBT GO Credit Card
GO make a statement
Enjoy the benefits of rewards with freedom from annual fees with our Visa GO Card. The low APR card offers more flexibility in how you choose to use your card, while still providing attractive features.
- No annual fee
- Earn one LiveFirst Rewards point per dollar
- Redeem rewards for cash back, merchandise or travel
- Click the Go Card Visa Disclosures link below for a complete set of card rates and fees
Apply Now or Explore GO Card
Go Card Visa Disclosures ›
Convert Existing FIBT Credit Card ›
Credit Cards at a Glance
Benefits | AMP | GO | X |
|---|
| New Cardmember Offer | n/a | 15,000 points when you spend $1500 in first 90 days3 | 30,000 points when you spend $4000 in first 90 days1 |
| Annual Fee | $0 | $0 | $95 |
| Purchase APR | 15.99% - 27.99% APR7 | 16.99% - 28.99% APR7 | 17.99% - 28.99% APR7 |
| Balance Transfer APR | 2.90% APR for first 12 months4 | 2.90% APR for first 6 months5 | 2.90% APR for first 6 months6 |
| Balance Transfer Fee | $5 or 3% of each transfer; whichever is greater | $5 or 3% of each transfer; whichever is greater | $5 or 3% of each transfer; whichever is greater |
| Earning Rewards | n/a | 1 point per $1 spent on purchases | 1.5 points per $1 spent on purchases
2X points on groceries and gas
3X points on dining |
| Using Rewards | n/a | Register and redeem at My Card Statement. | Register and redeem at My Card Statement. |
| Premium Perks | n/a | n/a | Visa Signature Concierge2 |
