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Credit Cards

Two Cards – Countless Benefits!

Find the First Bank & Trust Visa® Credit Card that works best for you with competitive interest rates. Plus, you’ll earn rewards when you use your card.

First Bank & Trust Visa® Gold Rewards Credit Card

  • No annual, balance-transfer or over limit fees
  • Fixed interest rate of 13.9% APR1. As of June 30, 2021, the national average APR for credit cards is 16.14%2.
  • Visa premium benefits like extended warranties, price protection, and auto rental coverage3
  • Automatic enrollment in the Dream Points Rewards program. Earn (1) point for every $1 you spend. No caps or limits on the points you can earn. Plus, you have three years to redeem points for rewards such as money back, merchandise, travel and gift cards. See terms and conditions.

First Bank & Trust Visa® Signature Rewards Credit Card

  • Competitive variable APR, currently 14.24% to 24.24%. See the terms and conditions for complete details. 
  • Automatic enrollment in the Dream Points Rewards program. Earn (1.25) points for every $1 you spend. No caps or limits on the points you can earn. Plus, you have three years to redeem points for rewards such as money back, merchandise, travel and gift cards.
  • Receive 4,000 bonus rewards points each calendar year you spend $20,000 in net purchases, which can be redeemed for your annual fee or toward other rewards. See terms and conditions.
  • SIGNATURE BENEFITS: As if earning bonus points wasn’t enough, the First Bank & Trust Visa Signature Rewards Credit Card comes with added benefits for the following (see the full details):
    • Travel: Travel packages, savings and upgrades from leading hotels, resorts and cruises worldwide, plus exclusive benefits at a collection of more than 900 of the world's finest properties with the Visa Signature Luxury Hotel Collection.
    • Entertainment: Special savings on select membership levels and retail purchases with the Visa Signature Museum Collection.
    • Fine Wine & Food: World-class celebrity chef and winemaker experiences and special offers. Plus, complimentary wine tastings and discounts at more than 60 wineries in Sonoma County.
    • Sports: Access to exceptional offers for NFL events and game-day experiences, as well as golf benefits at Pebble Beach Resort.
    • Shopping: Discounts and offers at premium retailers, from jewelry to apparel and electronics.

Security Features

  • EMV Smart Chip technology
  • Real-time purchase alerts5 – Sign up at to receive a text or email whenever a transaction meets the criteria you select
  • Visa Account Updater – When you save your First Bank & Trust Visa Credit Card for things like bill payments and online purchases, we can help update it automatically if your payment information changes.6
    • Skip the hassles of re-entering or resubmitting your payment information
    • Avoid declined payments and service interruptions
    • Count on First Bank & Trust to keep your card information secure
  • Visa Checkout® – Set up your Visa card for an easy, smart, and secure online checkout experience.
  • Visa Secure® - During an online purchase, you may be prompted at checkout to verify your identity. This is to ensure you’re you and protect you from fraud.
  • Apple Pay®, Google Pay™ and Samsung Pay® contactless payment technology (Mobile Wallet)
  • Secure online access and customer service – 24 hours a day, 7 days a week
  • Local decision-making and customer support

Lost or Stolen Card?

Contact Customer Service:
800.442.4757 (available 24/7)
800.843.1552 (local banking hours)
Applicant must be 18 years or older to apply.
1Annual Percentage Rate. Terms are subject to credit approval. Cash advance fee is 3% of cash advance amount (minimum $5.00) and the minimum interest charge is $.50.
3Certain terms, conditions, and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.
4Visa's Zero Liability policy: As the cardholder, you must establish that the transaction is not your responsibility as per the applicable account agreements. Does not apply to ATM transactions or PIN transactions not processed by Visa. Individual provisional credit amounts may be withheld, delayed, limited, or rescinded by an issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim, and account standing and history.
5There is no charge from First Bank & Trust, but message and data rates may apply. Actual time to receive alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for alert service may vary by issuer. Additional restrictions apply.
6Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.