AmTrust Bank Rewards Visa Review: Still Worth It?

If you’re looking for a no-annual-fee credit card that offers flat-rate rewards, the AmTrust Bank Rewards Visa® Credit Card might catch your eye. With 2% cash back on all purchases, it’s a simple, straightforward option for those who want consistent rewards without managing rotating categories. But does it hold up in 2025? Here’s everything you need to know before applying.

What Makes the AmTrust Rewards Visa Stand Out?

• Unlimited 2% Cash Back on every purchase
• No annual fee
• BucksBack Rewards program (redeem for statement credit, direct deposit, or gift cards)
• Issued by First Bankcard, a division of FNBO (First National Bank of Omaha)
• Robust online and mobile account management

Who This Card Is Best For

• People who pay off their balances monthly and want to avoid interest
• Shoppers who prefer cash rewards over travel points
• Anyone wanting a simple, flat-rate card with no hoops to jump through

Drawbacks to Be Aware Of

• High variable APR of 26.49%–29.99% — not ideal if you tend to carry a balance
• No sign-up bonus, unlike many competitors
• Less flexible rewards program compared to cards like Chase Ultimate Rewards or Amex Membership Rewards

Top Alternatives to Consider

1. Citi® Double Cash Card
   • 2% cash back on purchases (1% when you buy, 1% when you pay)
   • No annual fee
2. Wells Fargo Active Cash®
   • 2% flat cash back
   • $200 welcome bonus and 0% intro APR on purchases
3. SoFi Credit Card
   • 2% back when applied to SoFi accounts (investing, saving, debt payoff)
   • No annual fee

FAQs

Can I get pre-qualified? AmTrust does not prominently offer pre-qualification, but FNBO may provide pre-screened offers.

How do I redeem BucksBack rewards? Log into your FNBO account to redeem for a statement credit, bank deposit, or gift cards.

Is there a mobile app? Yes — the card is managed through FNBO’s digital banking tools, including a mobile app.

Is AmTrust Bank reputable? AmTrust is part of Flagstar Bank and its cards are issued by FNBO, a long-established and secure issuer.

Final Verdict: Is the AmTrust Rewards Visa Worth It?

✅ Still a solid choice in 2025 for users who:

• Want flat-rate rewards
• Pay in full each month
• Prefer a no-annual-fee card without complex perks

❌ May not be ideal if:

• You want a sign-up bonus
• You carry a balance
• You value premium travel rewards or flexible redemptions

Bottom Line

The AmTrust Bank Rewards Visa® Credit Card offers simplicity and 2% back with no fee—but it’s best used by responsible spenders who don’t carry balances. If you want more perks or bonus offers, other cards may provide better value.