Live Chat Contact

Rewards Program Details


The Dream Points® Rewards program includes the following benefits:
  • No fee – you are automatically enrolled as a First Bank & Trust Credit Card customer.
  • Earn points for qualified purchases.*
    • Gold card: 1 point for every $1
      • No caps or limits on the points you can earn.
    • Signature card: 1.25 points for every $1
      • No caps or limits on the points you can earn.
    • Business card: 1 point for every $1
      • All 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).
  • Points are tracked and redeemable on a first-in, first-out basis and will expire 3 years from the date of issuance.

Redeem Points for Rewards

  • Money back, and gift cards for various retailers, restaurants, hotels, and more
  • Free and discounted travel
  • Merchandise such as TVs, golf clubs, mowers, watches, and more
  • Charitable donations
  • Fuel redemptions
  • Pay with Points – As a First Bank & Trust Gold or Signature Visa cardholder, you are automatically enrolled.
      • Make a purchase using your First Bank & Trust Credit Card.
      • If the purchase qualifies for the Pay With Points rewards feature, you will receive an email notification. You may also receive a text message if you've provided your cell phone number.
      • If you would like to use reward points to pay for your purchase, click/tap REDEEM NOW in the notification.
      • When your points are redeemed, you’ll receive a statement credit for the exact amount of the purchase.

Account Information

Access your Dream Points account from Digital Banking or the Logins menu in the top right corner of this page. Or call Customer Service at 800.888.7016. Customer Service can assist you with redeeming your Dream Points or booking travel reservations.

Our credit cards are issued by First Bank & Trust, Brookings, South Dakota.
*Disputed or returned items do not earn points. See terms and conditions for more details: Gold, Signature, Business