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First State Bank and Trust Co.

Cash Back Rewards Credit Card

The rewarding experience that helps you earn even more rewarding experiences. Start earning cash back rewards every time you put gas in your car, head to the grocery store, setup recurring payments, and when you make other qualifying purchases. Local decisions and personalized support from the First State Bank & Trust team you know and trust makes choosing this full-service credit card from your hometown bank easier than ever!

$150 Cash Back*
0% APR for 12 Mo. on purchases1

0% APR for 12 Mo. on transfers1


$150 Cash Back

0% APR for 12 months

No Annual Fee

for the first $1,000 spent in the first 90 days*

on purchases and transfers1

Earn cash back with no extra fees.

Cash back rewards, including:
  • 2% back on gas, grocery purchases, and recurring payments
  • 1% back on all other qualifying purchases
✔ Same-day issuance Upon Approval
✔ Easy access through FSBT 1View Digital Banking
  • Access & manage your credit card account
  • Set Transaction Limits
  • Set Alerts
  • Set Location Boundaries

Credit Card Terms & Conditions

Credit Card Privacy Policy

Credit Card Rewards Policy

*Introductory offers include $150 cash back for the first $1,000 spent in first 90 days. Your account must be open and in good standing to earn cash back. First State Bank & Trust account required for redemption. Rewards must be redeemed within 24 months from the time earned or they will expire. Please read the Credit Card Terms & Conditions, Credit Card Privacy Policy, and Credit Card Rewards Policy for full disclosures. 

I0.00% introductory APR for 12 months. After that, your APR will vary with the market based on the Prime Rate and based on your creditworthiness. If you take advantage of a 0% Introductory or Promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by payment due date, the amount that equals 1) the Minimum Payment Due, plus 2) the total outstanding Purchase balance; plus 3) the total of any outstanding balance(s) that is not a 0% promotional APR, such as a cash advance, plus 4) any account fees. Please read the Credit Card Terms & Conditions and Credit Card Privacy Policy for full disclosures.

Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality, and other requirements.

How to Avoid Paying Interest on Purchases - Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau - To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at