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 12,000 points
  • Gift certificates at JCPenney, Cabela's, Applebee's, Olive Garden, Sears, Red Lobster, GAP, Barnes & Noble, Lowe’s, Marriott, Hyatt, and much more
  • $100 discount off of any airline flight for just 8,000 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

Account Information

You can access your Dream Points account from the Other Logins menu on our homepage.  You can also call Customer Service at 800.888.7016.  Customer Service can assist you with redeeming your Dream Points or booking travel reservations.

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