Compare First Trust Bank credit cards for September 2019

While you won't find 0% balance transfer or purchase deals in First Trust's range, you can expect flexibility, competitive ongoing rates, appealing rewards and no annual fees.

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First Trust Bank

First Trust Bank is part of the AIB Group, a commercial banking group in Northern Ireland. As such, it forms part of one of the “Big Four” banks in Northern Ireland. First Trust Bank was formed in 1991 when TSB Northern Ireland merged with AIB Group’s other interests.

Its credit cards are issued on the Visa or Mastercard networks (you can decide which you’d rather), meaning they’re accepted pretty much everywhere that takes plastic. For most of us, either network is perfectly fine, but you can read up on some of the differences between the biggest card networks.

Compare First Trust’s cards

Table: sorted by representative APR, promoted deals first
Updated September 23rd, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
12.9%
N/A
£0
12.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
16.9%
16.9%
£0
16.9% p.a. (variable)
Option 1 is also available & customers can switch between the options even if the outstanding balance is not cleared in full each month.
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).
18.9%
18.9%
£0
18.9% p.a. (variable)
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
N/A (this product is a charge card).
N/A
£0
N/A (this product is a charge card).

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Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Types of First Trust Bank credit cards

First Trust Bank offers a range of credit cards designed to suit a range of purposes.

  • Cashback cards. If you don’t anticipate carrying a balance from month to month, you could benefit from cashback on all purchases combined with interest-free days each billing cycle, meaning your credit card could earn rather than cost you money.
    Compare cashback credit cards
  • Low rate cards. For those who aren’t impressed by 0% periods that expire only to be replaced with punishing rates, or those who don’t anticipate carrying a balance from month to month, low rate cards can be a hassle-free option.
    Compare low rate credit cards
  • Student cards. If you don’t carry a balance from month to month and use a student card responsibly, it could help you to handle fluctuating costs and help kickstart a positive credit record, standing you in good stead for your future borrowing requirements.
    Compare student credit cards
  • Charge cards. Charge cards come with a 0% ongoing interest rate, but your balance must be settled in full every month or you’ll incur late payment charges.

What's the difference between a charge card and credit card?

With a charge card, you’re expected to clear your balance in full every month. As such, these cards don’t charge interest, although there are usually harsh fees if you fail to clear your balance. The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. Charge cards can come with a monthly or annual fee attached and do not offer purchase protection under section 75 of the Consumer Credit Act.

While charge cards are fairly rare in the consumer space, they are more prevalent in business banking.

What benefits can I get with a First Trust Bank credit card?

  • 24-hour customer support. The First Trust Bank customer care team is on hand around the clock to answer any queries you have.
  • No annual/monthly fees. You will not be charged an annual fee on any of the First Trust Bank credit cards.
  • Global usage. The First Trust Bank credit cards are part of the Visa and Mastercard networks, meaning they are accepted at more than 35 million locations worldwide.
  • Contactless payments. All the First Trust Bank credit cards are enabled for contactless payments of under £30.
  • Enhanced security. Have peace of mind when shopping online with Verified by Visa and Mastercard SecureCode.
  • Online account management. See your balance and make a payment at any time, from anywhere.

Applying for a First Trust Bank credit card

  1. Fill out the application form on the website with your basic personal and contact details.
  2. A First Trust Bank advisor will call you to complete your application. This will take about 10 minutes. Alternatively, you can call the First Trust Bank freephone number.
  3. A credit check will be performed based on the information you have given and you will receive a quick decision.
  4. Once approved, you should receive your new First Trust Bank credit card within 3–5 working days.

Eligibility requirements

To be eligible for a First Trust Bank credit card, you must:

  • Be at least 18 years old.
  • Be resident in the UK.
  • Have a First Trust Bank current account.
  • You must ensure that you can meet the repayments. Missed payments incur a charge and could have severe consequences on your ability to obtain future credit.

For the Student Mastercard, you must also be in full-time education as a third-level student.

Why might you not be approved?

On the whole, if you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. Equally if you’re in an IVA or have had a CCJ you may not be accepted. If you’ve ever declared bankruptcy you’re also unlikely to receive a card.

Frequently asked questions

The NatWest Balance Transfer Credit Card (existing customers)
The NatWest Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

M&S Bank Shopping Plus Mastercard
M&S Bank Shopping Plus Mastercard

Balance transfers:

0% for 20 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

The Royal Bank Balance Transfer Credit Card (existing customers)
The Royal Bank Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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