Credit Cards

Earn more rewards for all your everyday purchases. 1

3x the points at

  • Grocery Stores
  • Discount Stores
  • Gas Stations
  • Restaurants and Fast Food

1x the points

  • All other purchases.

Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com. Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more. 1

The First Bank and Trust Company Visa credit card features great benefits including:

  • Online access to view transactions, pay bills and track expenses.
  • Online access includes eStatements with 18 months of history.
  • Visa's Zero Liability Protection means you won’t be held responsible for any unauthorized charges made with your card or account information.2
  • Other benefits include auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more. 3

*1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for detail

*2Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

*3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

Learn more about our competitive rates and fees or apply for your own card here.

Visa Business Credit Card applications are not available online. Applications can be requested in person, by phone, by mail or by email. Please see our Contact Us page for pertinent information.

For a lost or stolen card please call Customer Service at 1-800-821-5184.