First Bank & Trust Visa® Gold Rewards Credit Card

Convenience in a Card

A credit card should be hassle-free. That is why the First Bank & Trust Visa® Gold Rewards 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 Visa Gold Rewards Credit Card, you’re automatically enrolled in Dream Points Rewards. You'll earn one (1) point for every $1 you spend. No caps or limits on the points you can earn, plus you have three years to redeem points for rewards such as money back, merchandise, travel and gift cards. See terms and conditions.

Don’t Worry About Fees

There is no annual, balance-transfer or over limit fee for a First Bank & Trust Visa Gold Rewards Credit Card, and you won't be penalized if your card remains inactive or is paid in full each month. Have a different credit card with a high interest rate? You can save over $1,500 in 2 years of interest by transferring a $5,000 balance from a 24% APR credit card to a First Bank & Trust card without penalty.

Consistently Low Interest Rate

You don’t want to keep track of a changing interest rate. We keep things easy, and offer a fixed interest rate of 13.9% APR1. As of September 5, 2018, the national average APR for credit cards is 16.92%2, costing the average cardholder more and more.

Visa Standard Protection Package

Enjoy chip-enhanced acceptance and security plus a variety of important features, including zero fraud liability3, travel accident insurance, and auto rental collision damage waiver. See Visa Card Guide to Benefits for a complete listing of all card benefits.

Customized Transaction Alerts

Customize transaction alerts to fit your needs. Alerts can be created for:

  • Purchases over a specified dollar amount
  • Purchases online, over the phone or through the mail
  • Cash withdrawals at an ATM
  • 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.

Terms & Conditions

Lost or Stolen Card?
Contact Customer Service: 1-800-442-4757 (available 24/7)
                                            1-800-843-1552 (local banking hours)


To apply, choose your location:

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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Online Statements

Sign up for Online 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.
3First Bank & Trust provides zero fraud liability for unauthorized transactions. Cardholder must notify First Bank & Trust promptly of any unauthorized use. Certain conditions and limitations may apply.