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First Bank & Trust
| Term | Value | Source |
|---|---|---|
| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | No annual, balance-transfer or over limit feesFirst Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Transaction fees | ||
| Cash advance | 3% of the amount, minimum $5, 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.First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Balance transfer | $0, No annual, balance-transfer or over limit feesFirst Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| Other fees | $0, No annual, balance-transfer or over limit feesFirst Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Opening conditions | Applicant must be 18 years or older to apply.First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Dream Points rewardsNot disclosed | 1 point per $1. See source conditions for eligible purchases.First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Rewards conditionsDream Points rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn (1) point for every $1 you spend.First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Rewards source conditionsDream Points rewards | No caps or limits on the points earned. First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |