Credit Cards

Finding the Right Card for You is…EASY!

Two Different Cards – Countless Benefits!

At First Bank & Trust, we want to be certain you’re using the credit card that best fits your needs. We’ve made the decision easy by offering two credit card options for you:

  1. First Bank & Trust Visa® Gold Rewards Credit Card – Low fees and a consistent interest rate. The First Bank & Trust Visa Gold Rewards Credit Card includes enrollment in Dream Points Rewards program.
  2. First Bank & Trust Visa Signature® Rewards Card – Bonuses on all points earned means the rewards add up fast on this card. With a competitive variable APR, this card features signature benefits on travel, entertainment, fine wine and food, shopping, and sports.

Both of our consumer credit cards come with:

  • EMV Smart Chip technology
  • Visa premium benefits like extended warranties, price protection, and auto rental coverage1
  • Real-time purchase alerts2 – Sign up at to receive a text or email whenever a transaction meets the criteria you select
  • Visa Account Updater – Automatic payments just got easier
    • When you save your First Bank & Trust Visa Credit Card for things like bill payments and online purchases, we can help update it automatically if your payment info changes.
    • So if your card is re-issued, you may not have to update your payment info with every biller and merchant where you have it saved.3
      • Skip the hassles of re-entering or resubmitting your payment info
      • Avoid declined payments and service interruptions
      • Count on First Bank & Trust to keep your card info secure
    • For faster, easier payments, save your First Bank & Trust Visa Credit Card with billers and merchants today.
  • Verified by Visa4 – Simply register today to shop online with confidence
  • Visa Checkout® – The easier way to pay online
  • Apple Pay®, Google Pay™ and Samsung Pay® contactless payment technology (Mobile Wallet)
  • Secure online access and customer service – 24 hours a day, 7 days a week
  • Local decision-making and customer support

Trouble deciding which card is the best fit? We’re happy to help! Give us a call at 800.843.1552. A retail banking associate will review the details of both cards and get your application started today!

Lost or Stolen Card?
Contact Customer Service: 1.800.442.4757 (available 24/7)
                                            1.800.843.1552 (local banking hours)

First Bank & Trust Visa® Gold Rewards Credit Card

Our hassle-free Visa® Gold Rewards Credit Card has a consistent interest rate and low fees. Best of all, you'll earn rewards just for using your card.

Learn More

1 Certain terms, conditions, and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.
2 There is no charge from First Bank & Trust, but message and data rates my apply. 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.
3 Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.
4 Covers U.S.-issued cards only. Verified by Visa requires online activation and is for use only at participating online merchants. Consult issuer for additional details or visit