Dream Points

Rewards Program Details

First Bank & Trust would like to reward you for using your First Bank & Trust Credit Card.1 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.)
  • Redeem points for:
    • Money back – Get $100 for 10,000 points
    • Gift certificates at JCPenney, Cabelas, Applebees, 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
  • 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)

For more information on the First Bank & Trust Dream Points program, please use the Additional Logins drop-down menu in the left navigation pane to log in to your account, or call customer service at 866.678.5189. The options are:

  • Book a travel reservation, inquire about an existing reservation or to speak to an agent at the travel agency – press “1”
  • Speak to a customer service representative and/or place an order for merchandise or gift certificates – press “2”
  • To repeat these options, press "9"
Browse Rewards Today!

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

1Our credit cards are issued by First Bank & Trust, Brookings, South Dakota.

Dream Points Rewards Terms & Conditions


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