BAD NEWS: We have added a new feature to your credit card without asking you.

GOOD NEWS: You could earn up to 1% CASH BACK REWARDS on purchases made with your Mastercard or Visa Credit Card.*

You can travel, remodel, pay tuition--or whatever you want to accomplish in life--and your First Bankcard Services credit card is a perfect source of added credit. Now you can achieve your goals and earn cash back at the same time.

To apply for your Cash Back Rewards card, just call 850-796-2020 today! If you are a current First Bankcard Services cardholder, you do not need to do anything. You will automatically reap the rewards!

*Effective September 1, 2003. Does not apply to Secured or Pledged cards. Returned purchases, cash advances, convenience checks, transferred balances, fees and finance charges do not earn Cash Back Rewards.

Frequently Asked Questions

How are my cash back rewards calculated?

Annual cash back rewards are earned using the following percentage of your annual level of account purchases and will be credited to your account annually: up to 1.00%

Is there a limit to the amount of cash back I can earn?

The maximum annual amount of cash back a card account may earn is $500.

On what types of transactions can cash back rewards be earned?

Cash back rewards are earned on Net Purchases only. “Net Purchases” mean purchases of goods or services made with a First Bankcard Services card while the account is in good standing, net of any returns or credits. “Net Purchases” do not include, and rewards are not earned on, returned purchases, finance charges, cash advances, balance transfers, convenience checks, fees, or any other non-purchase transactions.

When will I receive my cash back rewards?

Cash back rewards will be credited to your account in December of each year. Your account must be open and in good standing for any rewards to be credited to your account at that time.

Will all employee cards earn cash back on a merchant account?

Yes. However, cash back rewards earned on additional cards will be credited to the signing individual’s account only, and will be paid only to the signing individual.

How can I determine how much cash back my account has earned?

Your monthly statement will track rewards earned for the current month and year to date.

CASH BACK REWARDS RULES

1. Your Cash Back Rewards rebates are earned based on the following percentages of your annual level of account purchases: 0.25% on the first $5,000 in purchases; 0.50% on purchases between $5,001 - $10,000; 0.75% on purchases between $10,001 - $25,000; 1.00% on purchases over $25,001.

2. The annual limit you can earn on your Cash Back Rewards rebate will be $500.00. Your monthly statement will track rewards earned for the current month and year to date.

3. Cash Back Rewards are earned on Net Purchases only. “Net Purchases” means purchases of goods or services made on your account while the account is in good standing, net of any returns or credits. Net Purchases does not include, and rewards are not earned on, cash advances, quasi-cash transactions, balance transfers, convenience checks, credits or returns, finance charges, fees, or any other non-purchase transactions. Rewards are not earned on purchases made during any periods when your account is delinquent, overlimit by more than 3% of your credit limit, or otherwise not in good standing.

4. To earn and receive the cash back reward, your account must be open and in good standing as of the disbursement date. If, on the disbursement date, your account is closed, delinquent, greater than 10% over your established credit line, or otherwise not in good standing, all earned rewards will be forfeited. Additionally, if your account has been inactive for 3 consecutive months during the plan year, all earned rewards will be forfeited.

5. Rewards accrued will be paid annually on your December statement. The minimum reward payable is $1.00 and the maximum reward payable is $500.00. Any rewards earned less than $1.00 or greater than $500.00 will be forfeited. Annual purchase levels are reset the day after your December statement is printed. Rewards are paid by way of credit to your credit card account and will be posted on your December statement.

6. First Bankcard Services assumes no tax liability for cash back rewards earned or paid on your account.

7. This Cash Back Rewards program is offered by First Bankcard Services, a division of First National Bank and Trust, who reserves the right to change or discontinue this program at any time.