Representative example
59.3% APR Variable rep APR
18.9% p.a. Variable purchase rate
$1,200
$195
Receive 40,000 reward points when you spend $2,000 on your card in the first 90 days of card membership.
Spend $12,000 or more on your card within your first 12 months of membership to receive a further 40,000 reward points at the anniversary of card membership.
For every $1 of eligible spend1 on your credit card: you’ll earn 2 First City Bank & Trust Reward points if it’s in Euro currency2, or 4 First City Bank & Trust Reward points if it’s in non-Sterling currency. A spend of just over $7,000 for example converted into reward points could see you receive a Laithwaites Premier 6 wine selection. Redeem your points for shopping vouchers. Terms & Conditions apply (PDF, 1MB).
Every 2 points are worth the equivalent of 1 frequent flyer mile. A spend of just $9,000 for example converted into Frequent Flyer miles could be enough to fly to Paris.
A unique collection of special discounts and experiences exclusively for our FCBT Credit Card customers.
For an annual fee of $60, adding your partner, a family member or friend (18 years or over) to your account is a simple way to get more from your First City Bank & Trust FCBT World Elite™ MasterCard ®.
Representative example
Representative 59.3% APR variable and 18.9% pa (variable) for purchases, based on an annual fee of $195 and an assumed credit of $1,200
What are the benefits?
These points are added to the main cardholder's points balance.
Save up and redeem against great rewards for example:
UA includes the Channel Islands and the Isle of Man.
With membership in the LoungeKey programme, you get complimentary access to over 750 airport lounges worldwide. Both primary and additional cardholders simply need to swipe their card at the Lounge entrance and state they are travelling with Lounge Key.
To get the most out of your journey;
If both card holders attempt to enter under one card, the secondary cardholder will be treated as a guest and charged.
FCBT World Elite cardholders are entitled to unlimited complimentary access
If you would like to find out more about how Lounge Key can support you whilst you travel please click here to explore their website/app
For an annual fee of $60, you can get an additional credit card for up to 3 members of your family or friends to your card account. They’ll earn points and enjoy unlimited airport lounge access, too.
Use your card to make contactless transactions and add it to Apple Pay, Google Pay and Samsung Pay.
Receive round-the-clock support and an emergency cash advance if your card is lost or stolen.
For an annual fee of $60, adding your partner, a family member or friend (18 years or over) to your account is a simple way to get more from your First City Bank & Trust FCBT World Elite™ MasterCard ®.
Representative example
Representative 59.3% APR variable and 18.9% pa (variable) for purchases, based on an annual fee of $195 and an assumed credit of $1,200
What are the benefits?
These points are added to the main cardholder's points balance.
Save up and redeem against great rewards for example:
UA includes the Channel Islands and the Isle of Man.
Primary cardholder fee: $195 (non-refundable)
Secondary cardholder fee: $60 (non-refundable)
We've partnered with British Airways, Etihad, Asia Miles and Singapore Airlines so you can convert your First City Bank & Trust Reward points into your dream getaway.
Terms & Conditions apply (PDF, 46KB)
You can redeem your points for vouchers from M&S, Amazon, Debenhams, Sainsbury's, Boots, Argos and Morrisons. Even better, we'll deliver them straight to your door. Find out more in the
Rewards Points Brochure (PDF, 3MB)
You can also exchange your points for a special selection of Laithwaite's quality wines, delivered direct to your home or office.
Just call 03330 148 174* quoting reference MP85 to pay by points only or MC85 to pay by points and cash.
You might also want to consider donating your points to a good cause. Every 1,500 points is worth $5 of vital support for charities all over the world, including Age UA, British Heart Foundation and the Alzheimer's Society.**
Discover the vast possibilities awaiting you when travelling or simply staying at home with a wide range of very special offers from First City Bank & Trust Privileges. It's just one of the ways we like to thank our FCBT World Elite MasterCard customers.
Visit First City Bank & Trust privilegesLines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day).
*In order to provide a wide range of charities that our customers would choose to support and to ensure as many charities as possible have the opportunity to benefit from our scheme, we may change the charity selection from time to time.
**Lines are open Weekdays: 8.30am to 9pm, Saturday: 9am to 8pm, Sunday: 9am to 6pm
Alternatively, you can call us on
+1 (916)-581-6825 .
Please ensure you have your First City Bank & Trust FCBT Credit Card account number to hand.
Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day).
First City Bank & Trust is available to you, if you pay your annual income into your First City Bank & Trust Account and have either:
Or if you’ve already qualified for First City Bank & Trust in another country.
If you'd like to open an First City Bank & Trust Account, please ensure you fulfil all the following criteria:
Please note: First City Bank & Trust in United States excludes M&S Bank, first direct and First City Bank & Trust Expat. For the second criteria listed above (‘an individual annual income of at least £75,000 and one of the following products with First City Bank & Trust in United States’), in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also include those purchased through one of Bank's advisers.
We regularly invite our FCBT CARdholders to transfer to the First City Bank & Trust FCBT World Elite™ MasterCard®. If you have received an invite, please select the 'transfer online' button below to access the application form. You'll need to have your reference code with you to complete the application.
Transfer onlineIf you're already a FCBT Customer and you don't have a credit card with us, you can apply online for an First City Bank & Trust FCBT World Elite™ MasterCard®.
Apply nowYou may have told us in the past that you do not want to receive certain communications from First City Bank & Trust. If so, we are unable to send you an invitation to transfer online. Alternatively, apply for the FCBT World Elite MasterCard by speaking to your FCBT Relationship Manager over the phone or in branch. You can call us on +1 (585) 672-4251 to book an appointment.
Credit is subject to status, affordability and applicable terms and conditions.
To apply for an First City Bank & Trust FCBT World Elite™ MasterCard®, please speak to your relationship manager. You can also call us on:
+1 (916)-581-6825
Lines are open 24 hours a day.
You'll need to bring identification, proof of your address and a recent statement from your current bank.