The name "First Bank & Trust" is a common one among financial institutions: An online search will turn up multiple banks carrying that name, so it can get confusing.
But the First Bank & Trust reviewed here is a regional bank serving South Dakota and Minnesota that offers a variety of financial products, from mortgages to CDs. It also issues a handful of credit cards, many of which are co-branded with another company. To that end, First Bank & Trust’s co-branded credit cards are a good fit only for consumers loyal to a particular brand. The bank’s own proprietary rewards cards have a similarly niche market.
The following credit cards are issued by First Bank & Trust:
- Visa Gold Rewards.
- Visa Signature Rewards.
Here’s an overview of some of these cards.
Shell Performance credit card
As co-branded gas credit cards go, the Shell Performance credit card is one of the better ones. It earns solid rewards including 4% back at Shell on gas, EV charging, and in-store purchases; 3% back on dining and groceries; and 2% back on everything else. Unfortunately, rewards earned with the card can only be redeemed for a statement credit that applies toward Shell purchases. The welcome bonus is underwhelming, too.
If you want a card that doesn’t tie you to a single gas company, check out our list of best gas credit cards.
Mercury credit cards
There are two Mercury cards, and they both epitomize the bank’s tendency to issue cards for a select audience. The cards are only available to those who have been preapproved and have received an offer code.
Intended for consumers who want to build or rebuild credit, the Mercury credit cards don't require a security deposit and offer cardholders opportunities to increase their credit limits. Both cards also earn an unlimited 1 point per $1 on all purchases.
For those who haven’t been invited to apply for a Mercury credit card, consider the Current Build Card. It doesn't require a credit check, doesn't have a minimum required security deposit, and doesn't even charge interest. You can earn rewards with it if you meet certain criteria, and its annual fee is $0 (see terms).
Visa Gold Rewards credit card
Billed as a rewards credit card, the Visa Gold can also be a possible balance transfer vehicle, as it’s the rare card that doesn’t charge a balance transfer fee. And its ongoing interest rate (currently around 14%) is lower than the average for credit cards that assess interest, which was 21.52% as of February 2026, according to the Federal Reserve. But unlike other balance transfer credit cards, it doesn't feature a 0% intro APR period, so it'll still be expensive to carry a balance.
The Visa Gold earns rewards in the form of 1 point per $1 spent, with no limit on the number of points that can be earned. Redemption options include cash back, gift cards, travel, merchandise, charitable donations and fuel. The card’s annual fee is $0.
Visa Signature Rewards credit card
The Visa Signature Rewards card feels like a paradox in several ways. On one hand, it has traits of a premium credit card. It offers “exclusive signature benefits” such as travel, shopping, and fine foods and wine. To qualify for the card, you must have an annual gross income of at least $150,000, or a net worth of at least $1 million. Clearly, this card isn’t for everyone.
But the card feels low-budget in other ways. Its annual fee is $49, which is far less than other premium credit cards, and its rewards rate is comparatively low, too. Visa Signature Rewards cardholders earn just 1.25 points per $1 spent.
If high-end benefits are what you’re after, you can certainly do better than the Visa Signature Rewards card. Similarly, if your top priority is maximizing cash back, plenty of cash-back cards earn 2% cash back or more — and don’t charge an annual fee.
» SEE: Best cash back credit cards
