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Dream Points

Rewards Program Details

The Dream Points® Rewards program includes the following benefits:
  • No fee to be in the Dream Points program – you are automatically enrolled as a First Bank & Trust Credit Card customer.
  • Credit card customers earn 1 point for every $1 in qualified purchases. (Disputed or returned items do not earn points.)
  • Points are tracked and redeemable on a first-in, first-out basis and will expire three (3) years from the date of issuance.
  • 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).

Browse Rewards Today

  • Money back – Get $100 for 12,000 points
  • Gift certificates at JCPenney, Cabela's, Applebee's, Olive Garden, Sears, Red Lobster, GAP, Barnes & Noble, Lowe’s, Marriott, Hyatt, and much more
  • $100 discount off of any airline flight for just 8,000 points
  • Merchandise such as TVs, golf clubs, mowers, watches, and much more
Not a cardholder yet, but want to check out available rewards? Browse the rewards today:
  • STEP 1:  Visit the consumer rewards site
  • STEP 2:  Scroll to the bottom of the page and click "View sample rewards"
  • STEP 3:  Scroll to the bottom of the page, once more, and click "View sample rewards"

Account Information

Access your Dream Points account from the Logins menu on our homepage. 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.