The First State Bank and Trust Co. is a business credit card from First State Bank and Trust Co.. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 16.74% to 24.74% variable (terms dated Dec 30, 2025) after a 0.00% introductory APR for 6 months. introductory rate for 6 months. Signup bonus: $250 Cash Back for the first $2,000 spent in the first 90 days. Rewards: 2% back on gas/travel/restaurants, 1% back on all other qualifying purchases. Cash back: 2% back on gas/travel/restaurants, 1% back on all other qualifying purchases. Loan terms: Revolving credit card; payment due at least 25 days after each billing cycle closes; no interest on purchases if the entire balance is paid by the due date. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).