| Rewards | Earn 3 points per $1 on airline purchases, 2 points per $1 on hotels and restaurants, and 1 point per $1 on all other purchases |
|---|---|
| Signup Bonus | Typically 7,500 bonus points after first purchase, plus a 0% intro APR for the first 6 billing cycles |
| Annual Fee | $95 |
| Cardmember Agreement | View Here |
| Cash Advance APR | About 24.24%–29.24% variable APR |
| Cash Advance Fee | Either $10 or 4% of the amount (whichever is greater) |
| Late Payment Fee | Up to $35 |
| Purchases APR | About 18.24%–24.24% variable APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First State Bank Travel Rewards American Express Card is a niche travel card from a regional bank that tries to offer simple points earning without the complexity of premium travel programs. It typically comes with a mid-range annual fee, earns extra points on travel and dining, and offers a modest signup bonus, but it doesn’t compete with major national travel cards in terms of perks or flexibility.
Most users say they like the easy approval process, basic travel rewards structure, and the ability to earn points on everyday spending without complicated categories. Many reviewers mentioned it works fine as a “starter travel card” for people who just want something straightforward tied to travel purchases.
On the downside, cardholders often complain about the limited redemption value, relatively small signup bonus, and lack of premium travel benefits like lounge access or strong transfer partners. Some also feel the rewards rate is average compared to what big issuers offer.
Personally, I think this card makes sense if you want a simple, no-frills travel rewards card from a local bank and don’t qualify for top-tier travel cards yet. But if you’re serious about maximizing travel rewards, you’ll likely get much better long-term value from mainstream travel cards.
RATE THIS CREDIT CARD
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Decent travel perks, but just okay overall
I picked up the first state bank travel rewards AmEx hoping it would be my go to travel card, and it does offer decent perks like no foreign transaction fees and easy point redemption. That said, the rewards rates feel average compared with other travel cards I've used, and customer service was just fine when I had question. It's a workable travel card, just not spectacular
