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Credit Cards

One Card – Countless Benefits!

A credit card should be hassle-free. That is why the First Bank & Trust Visa® Gold Rewards Credit Card has low fees and a consistent interest rate. 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 May 28, 2020, the national average APR for credit cards is about 16%2.
  • 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.3 Plus, you have three years to redeem points for rewards such as money back, merchandise, travel and gift cards. See terms and conditions.

Security Features

  • EMV Smart Chip technology
  • Visa premium benefits like extended warranties, price protection, and auto rental coverage4
  • 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. Credit cards cannot be issued to an applicant under the age of 21 unless a co-signer who is 21 or older has the means to repay the debt and assumes joint liability or the applicant has an ability to repay the required minimum payments for the account.
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.
3All accounts opened by a business will be combined to have the opportunity to accumulate and earn a maximum of 200,000 points per calendar year (January 1-December 31).
4Certain terms, conditions, and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.
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.