Credit Cards

First Bank & Trust Visa® Credit Card

Check out these 6 great reasons why it's time to trade in your old credit card today!

6 Great Benefits

  1. Dream Points Rewards

    • With 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. Click here to learn more.
  2. No Annual Fee

    • 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.
  3. Consistently Low Interest Rate – 13.9% APR1

    • The average interest rate on credit cards has been increasing since early 2008 at a pace of 1% every quarter. As of June 31, 2013, the average rate for credit cards offering rewards increased to 17.79% APR2, costing the average cardholder more and more to service their debt. Yet, at First Bank & Trust, we offer a consistent interest rate of 13.9% APR.
  4. No Balance-Transfer Fee

    • Are you ready to transfer your balance from another credit card to a First Bank & Trust Credit Card? Go for it! There's no balance-transfer fee. Plus, utilizing a credit card with a lower interest rate can mean big savings over time. Click here to see the example!
  5. 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.
  6. Trusted Community Bank

    • First Bank & Trust offers our credit card the same way we do our other products and services – with the backing of our local community banks. This means we’re right here if you have a question, want a local decision or simply feel more comfortable dealing with a bank that hasn’t been caught up in the same credit crunch many are facing these days.

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

First Bank & Trust Cardholder 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.


1 Annual 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.
2 Source:

In order to better assist you, we will need to gather some information. Please fill out the information below and click the Start Chat button to talk to a Customer Service Representative.

Please note our chat support is available
Monday - Friday: 7:30 am - 6:00 pm
Saturday: 8:00 am - Noon

You are now leaving
While we offer this link for your convenience, please note that we are not responsible for the content provided by third-party websites. We encourage you to review the policies of any website prior to sharing personal information to ensure privacy and security.