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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.* No caps or limits on the points you can earn.
  • Points are tracked and redeemable on a first-in, first-out basis and will expire 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).

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 – A redemption program where you can pay with the points you've already earned! Purchase, get notified and redeem.
      • Log in to Dream Points (click "login" in the top right corner of this page)
      • From the menu, go to Real-Time Rewards.
      • Click Pay With Points.
      • Enroll and select your notification preferences.
      • Use points at the time of 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