AmTrust 2% Cash Back Visa® Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 26.49% to 29.99% variable based on creditworthiness and the Prime Rate
At a glance
The AmTrust 2% Cash Back Visa® Card truly lives up to its name. The card is a cash back rewards credit card that earns 2% back on all purchases. Reward options including statement credits, deposits to AmTrust or external bank accounts through ACH electronic payments, or for other rewards in the BucksBack Rewards program.
Our review of the AmTrust 2% Cash Back Visa® Card
Looking for a credit card that offers impressive cash back rewards without an annual fee? The AmTrust 2% Cash Back Visa® Card might be the perfect choice for you.
How to Earn Rewards
With the AmTrust 2% Cash Back Visa®, cardholders can earn 2% back on all purchases, which can also be accrued as points at the same rate (2X on all purchases). There is no cap on the total number of points you can earn with this card. This makes it a strong competitor to the Citi® Double Cash Card – 18 month BT offer, which also offers 2% back on purchases.
How to Redeem Rewards
Points earned with the AmTrust 2% Cash Back Visa® Card can be redeemed through the BucksBack Rewards Program, which is the default reward plan for all First Bankcard products. The cash value of points is $0.10 per point, and cash back rewards are claimable in 2,500-point increments. Redemption options include statement credits, ACH electronic deposits to AmTrust or external accounts, or a mailed check.
Other Card Features
In addition to cash back rewards, AmTrust cardholders can enjoy benefits such as Zero Fraud Liability coverage, emergency card replacement, emergency cash disbursement, and Auto Rental Collision Damage Waivers when traveling.
Should You Apply?
If you’re looking for a credit card that offers substantial cash back rewards without the hassle of larger issuers, the AmTrust 2% Cash Back Visa® Card is worth considering. While it may not offer a 0% intro APR on balance transfers like some other cards, it does provide the unique feature of allowing rewards to be sent to external bank accounts via ACH payments.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- 2% cash back (2 points) on every purchase
- Automatically redeem your rewards into your checking or savings account with ACH Deposit
- Cash Back rewards earned are good for 3 years
Who this card may suit
- You prefer cash back or statement credits over rewards points
- You want to transfer rewards to an external bank account
- You do't plan to carry a balance
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 26.49% to 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 26.49% to 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $15 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction in U.S. dollars |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $35 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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AmTrust 2% Cash Back Visa® Card
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