Dream Points

Rewards Program Details

First Bank & Trust would like to reward you for using your First Bank & Trust Credit Card. Our Dream Points® Rewards program includes the following benefits:

  • No fee to be in the Dream Points program – you are automatically enrolled just for having a First Bank & Trust Credit Card2
  • 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!

You can redeem your Dream Points for:

  • Money back – Get $100 for 10,000 points
  • Gift certificates at JCPenney, Cabela's, Applebee's, Olive Garden, Sears, Red Lobster, GAP, Barnes & Noble, Lowe’s, Marriott, Hyatt, and much more
  • Free airline tickets starting at just 25,000 points
  • Merchandise such as TVs, radios, golf clubs, mowers, watches, cameras, and much more

Not a cardholder yet, but would like to check out what rewards are available? EASY! Learn how you can browse the rewards today:

Browse Rewards

Dream Points Rewards Terms and Conditions

Not available in Pipestone.
Our credit cards are issued by First Bank & Trust, Brookings, South Dakota.