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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 | — | |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| Opening conditions | Applicant must have a minimum of $150k in annual gross income OR verified non-retirement liquid asset balances equal to or greater than $50k.First 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 | 1.25 points 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 (1.25) points 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. Receive 4,000 bonus rewards points each calendar year you spend $20,000, which can be combined with other earned points and redeemed for cash back or other rewards. First Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |