AmTrust Bank Cash Back Credit Card

Card Details
Rewards	Earn 2% cash back on every purchase (2 points per $1) through the BucksBack Rewards program.
Signup Bonus	None.
Annual Fee	$0
Cardmember Agreement	View Here
Cash Advance APR	29.99% variable.
Cash Advance Fee	Greater of $15 or 5% of the amount advanced.
Late Payment Fee	Up to $40
Purchases APR	26.49% to 29.99% variable, depending on creditworthiness / Prime rate.
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The AmTrust Bank Cash Back Credit Card is mainly known for its simple, flat 2% cash back on every purchase, a $0 annual fee, and generally straightforward terms. There’s no intro bonus, which sets it apart from many competitors, but the appeal here is consistency—earn the same rate everywhere without juggling categories.

Most users say they like how “effortless” the rewards feel, and many reviewers mentioned that the 2% rate is reliable and competitive for a no-fee card. People also appreciate that it’s issued by FNBO, which has a reputation for solid customer service and clear statements.

On the downside, many cardholders complain about the high APR, especially compared with other cash-back cards. Some also wish the card offered a signup bonus or occasional promos, and a few users mention that the rewards program feels a bit bare-bones compared to cards with more perks.

Personally, I think this card fits best for someone who wants simple, predictable rewards without spending time optimizing categories. If you’re after big welcome bonuses or premium perks, you’ll probably find better options elsewhere—but if you prefer a clean, no-annual-fee 2% card, this one delivers exactly what it promises.