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The First National Bank Texas World Mastercard College Real Rewards Card has an offer for 2,500 bonus points, when you make your first card purchase. According to First National Bank Texas, this welcome offer is worth $25 as cash back. That’s not the best bonus out there, even for a card with no annual fee. See our list for more no-annual-fee credit cards such as the Capital One® SavorOne® Cash Rewards Credit Card.
The College Real Rewards card gives you the opportunity to build your credit while earning 1.5x points on all purchases. There’s no limit to how many points you can earn.
Unfortunately, however, the card doesn’t offer any loyalty perks for current First National Bank Texas customers. Some cards, like the Union Bank Rewards Visa Card, will give you a bonus for depositing your rewards into a bank account with the issuer.
*Check out First National Bank Texas bonuses for checking & savings accounts.
| Bonus Available | 2,500 bonus points after your first card purchase. |
| Bonus Value* | $25 |
| Ongoing Rewards/Benefits | Earn unlimited 1.5 points monthly for every dollar you spend on eligible purchases. |
| Foreign Transaction Fees? | 2% in USD, 3% in foreign currencies. |
| Annual Fee | $0 |
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
Recommended Credit Score (Get Your Free Score)
PROS
- No annual fee
- Average-Good credit may qualify
- Unlimited rewards
CONS
- Low welcome bonus
- Foreign transaction fees
CAPITAL ONE® SAVORONE® CASH REWARDS CREDIT CARD
The Capital One® SavorOne® Cash Rewards Credit Card has a $200 bonus when you spend $500 on purchases within 3 months of account opening. This card has no annual fee. The annual-fee version of this card is the Capital One® Savor® Cash Rewards Credit Card.
This SavorOne card earns unlimited 3% cash back on dining and entertainment spending. Grocery store spending earns 2% cash back. All other purchases earn 1% cash back. There are no rotating categories to worry about and the cash back won’t expire while the account is open.
College Real Rewards Card 2,500 Bonus Points Offer
Take advantage of the First National Bank Texas College Real Rewards card’s 2,500 bonus points offer. These points are worth $25 as cash back (more on that below).
To qualify, charge your first purchase to your card. There’s no spending requirement or time limit to worry about.
What Are College Real Rewards Points Worth?
Like many other points-based cards, the value of your rewards depends on how you redeem them:
- Cash deposits to a First National Bank Texas checking or savings account (standard $0.01 per point)
- Statement credits to your card account ($0.01 per point)
- Gift cards (point value varies)
- Merchandise (point value varies)
- Travel savings (point value varies)
Generally speaking, the best use for your College Real Rewards points is toward account deposits and statement credits.
Bottom Line
The First National Bank Texas College Real Rewards card is a solid choice if you’re looking to build your credit and earn rewards at the same time. But if you have better credit, you’re probably qualified for more rewarding cards.
What’s The Competition?
Below are some of the top competitors to the First National Bank Texas World Mastercard College Real Rewards credit card you should consider.
CAPITAL ONE® QUICKSILVER® CASH REWARDS CREDIT CARD
The Capital One® Quicksilver® Cash Rewards Credit Card will earn a $200 bonus when you spend $500 on purchases within the first 3 months. The bonus offer is comparable to its top competitors, but this card earns a respectable 1.5% cash back on every purchase with no limit on how much you can earn. There are no spending categories to keep up with and the cash back won’t expire while the account is open.
People like this card because of the cash back rate, the flexibility to redeem your cash back for any amount, and there’s no annual fee.
CAPITAL ONE® VENTUREONE® REWARDS CREDIT CARD
The Capital One® VentureOne® Rewards Credit Card has an offer for 20,000 bonus miles after you spend $500 on purchases within 3 months. We value these 20k bonus miles at around $280.
This card has no annual fee. The annual fee version of this card is the Capital One® Venture® Rewards Credit Card, with better features.
The VentureOne Rewards card offers unlimited 1.25X miles on all purchases. You can redeem for statement credits for travel and gift cards. Another option is to transfer miles to airline partners. Read more on this here.
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.