Best Western Rewards Premium Visa Signature

The Best Western Rewards Premium Visa Signature filing from First Bank & Trust sets out a purchase APR of 25.99%–29.99% and a $89 annual fee. Against the 4,587 filings on this site, that rate lands around the 74th percentile.

What this filing discloses

This page covers the agreement First Bank & Trust filed for Best Western Rewards Premium Visa Signature. The filing runs ten pages, and It is issued on the Visa network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

Where the purchase APR sits

Purchases price between 25.99% and 29.99% under this filing. The 4-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Those two numbers occupy very different places in the corpus: roughly the 70th percentile at the bottom and the 74th at the top.

What a balance actually costs

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $419 in interest.

Against the corpus median of 21.99%, that is approximately $124 a year of extra interest on the same $1,200.

Note the $1.50 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Where the fees are

$89 a year is the disclosed annual fee, which ranks near the 91st percentile of the fees filed across this corpus.

One way to size that fee: at the card's own purchase rate of 29.99%, $89 is roughly the interest a balance of about $297 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 0.08%. $200 is the crossover point where the percentage overtakes the $10 minimum. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Moving a balance onto this card carries an up-front charge of $5 or 4% of the amount transferred, whichever is greater, with the transferred balance priced at 25.99%. Transferring $3,000 would cost roughly $120 at the door.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

Penalty pricing and late fees

Late payments are capped at $15 under this filing, about the 11th percentile of late fee maximums in the corpus.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

The $1.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What is outside the disclosure

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Against the rest of First Bank & Trust's filings

This is one of 12 First Bank & Trust agreements collected here. The issuer's own range is 29.99%–35.99%. At 29.99%, this agreement is dearer than 0 of its siblings.

Among the issuer's other filings that disclose a fee, 7 of 7 come in below this card's $89.

The document itself

This summary stands or falls on the linked PDF — ten pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

29.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Against that sits the $89 annual fee, which is unavoidable once the account is open.