Best First Bank & Trust Credit Cards (2026)
First Bank & Trust of Brookings, South Dakota; issuer of the Best Western Rewards Visa cards.
Top Pick
Kroger Rewards World Elite Mastercard
Spend $750 in 3 months
Last offer: $100 statement credit
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What is the best First Bank & Trust credit card?
The Kroger Rewards World Elite Mastercard is currently the top-rated First Bank & Trust card, offering no annual fee and a strong welcome offer for new cardholders.
Does First Bank & Trust have a credit card with no annual fee?
Yes — the Kroger Rewards World Elite Mastercard has no annual fee and earns 1x base rewards on purchases.
What credit score do you need for a First Bank & Trust card?
Most First Bank & Trust credit cards require good to excellent credit (typically 670+). Premium travel cards like the top-tier options generally require a score of 720 or higher for the best approval odds.
What rewards do First Bank & Trust credit cards earn?
First Bank & Trust credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.
Are First Bank & Trust credit card points worth it?
First Bank & Trust points and miles offer strong value, especially when redeemed for travel. Pairing multiple First Bank & Trust cards can maximize your earning across categories.
How do I apply for a First Bank & Trust credit card?
You can apply directly through https://www.bankeasy.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.
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