Rewards Program Details

• 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.
  • Gold card: 1 point for every $1
  • Signature card: 1.25 points for every $1
  • Business card: 1 point for every $1
• 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.
  • HOW TO ENROLL:
    • 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