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Platinum Visa Credit Cards Family Owned. Texas Proud.

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Banking That's

Traditional IRA Or Roth?

Compare & Pick Your Perks Understand The Difference & Choose Your Fit

Both of our Visa® credit cards give you extra purchasing power and peace of mind. Both IRAs help you save for retirement, but they work differently. Here’s a quick look at how each one is designed, so you can make the choice that’s right for you.*

Platinum Benefits Card Traditional IRA

Flexible spending power with exclusive benefits, at a lower cost.

 

  • No annual fee
  • 0% intro APR on purchases for the first seven billing cycles after account opening
  • Annual Percentage Rate (APR) based on Wall Street Prime Rate: prime + 10%
Contributions

Contributions may be tax-deductible now, lowering your taxable income for the year.

 

Withdrawals

Withdrawals in retirement are taxed as ordinary income.

 

Age Limits

You can contribute as long as you have earned income, up to annual IRS limits. Required minimum distributions (RMDs) begin at age 73.

Cash Back Rewards Card Traditional IRA

Want more rewards? Generate cash back with every swipe.

 

  • Earn unlimited 1% cash back on every dollar spent
  • 0% intro APR on purchases for the first seven billing cycles after account opening
  • Annual Percentage Rate (APR) based on Wall Street Prime Rate: prime + 8%
  • $35 annual fee
Contributions

Contributions may be tax-deductible now, lowering your taxable income for the year.

 

Withdrawals

Withdrawals in retirement are taxed as ordinary income.

 

Age Limits

You can contribute as long as you have earned income, up to annual IRS limits. Required minimum distributions (RMDs) begin at age 73.

*Credit Cards are subject to credit approval.  *First Bank Texas and its subsidiaries do not provide tax, legal or accounting advice. The information here is for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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Stay Protected 

Every Time You Pay

 

Your security matters as much as your spending power. With built-in Visa® protections and tools like real-time alerts, you’ll always know what’s happening with your account. First Bank Texas is here to help you spot fraud early, safeguard your information, and give you peace of mind with every purchase.

About First Bank Texas

Community at Our Heart

We believe in doing the right thing because it’s the right thing. That means showing up for local nonprofits, businesses, and schools, lending a hand when it’s needed, and supporting the people who make our communities stronger.
 After all, we don’t just serve these communities—we’re part of them.

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Have questions or need help getting started? Our team is here to help. Reach out to First Bank Texas today.

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Routing Number: 111901988 Routing Number: 111901988

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First Bank Texas is your local community bank that offers a range of personal and business banking solutions including savings and checking accounts, individual retirement accounts (IRAs), VA loans, mortgages, commercial loans, agriculture lending, working capital loans, real estate loans and much more. Bank online, with our mobile app or visit one of our conveniently located North Texas locations in the Greater Abilene, West Fort Worth and Grapevine areas.

First Bank Texas is your local community bank that offers a range of personal and business banking solutions including savings and checking accounts, individual retirement accounts (IRAs), VA loans, mortgages, commercial loans, agriculture lending, working capital loans, real estate loans and much more. Bank online, with our mobile app or visit one of our conveniently located North Texas locations in the Greater Abilene, West Fort Worth and Grapevine areas.

 

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