Credit Cards

Convenience in a Card

A credit card should be hassle-free. That is why the First Bank & Trust Visa® Credit Card has low fees and a consistent interest rate. Plus, you’ll earn rewards when you use your card. 

Dream Points Rewards

When you sign up for a First Bank & Trust Credit Card, you’re automatically enrolled in Dream Points Rewards. You'll earn one (1) point for every $1 you spend. Points can be redeemed for merchandise, gift cards, travel awards, and money back.

Don’t Worry About Fees

There is no annual fee for a First Bank & Trust Credit Card, and you won't be penalized if your card remains inactive or is paid in full each month. Also, while many credit card companies have raised their late fee, our late fee remains $25. Have a different credit card with a high interest rate? We do not charge a balance-transfer fee. So, you can transfer your balance to your First Bank & Trust card without penalty.

Consistently Low Interest Rate

You don’t want to have to try to keep track of a changing interest rate. We keep things easy, and offer a consistent interest rate of 13.9% APR. The average interest rate on credit cards has been increasing steadily since early 2008. As of July 31, 2015, the average rate for credit cards offering rewards increased to 17.87% APR2, costing the average cardholder more and more to service their debt.

Built-in Fraud Protection

Our credit cards come with built-in chip technology. When used at a chip-activated terminal they reduce the risk for in-store fraud. Chip cards are globally accepted and easy to use.

Customized Transaction Alerts

Customize transaction alerts to fit your needs:

  • For purchases over a specified dollar amount
  • For purchases online, over the phone or through the mail
  • For cash withdrawals at an ATM
  • For use outside the United States
  • Sign up your Visa card for real-time alerts* from First Bank & Trust at
    (*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.)

Lost or Stolen Card?
Contact Customer Service: 1-800-442-4757

Dream Points

Earn rewards when you use your First Bank & Trust Credit Card. You are automatically enrolled in the Dream Points program just for having a card.

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Sign up for e-Statements to receive your credit card statement electronically.

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Agent Bank Credit Card Account Holder Agreement
First Bank & Trust Credit Card Account Holder Agreement

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.