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Free Spirit® Points Mastercard®
- Regular Purchase APR 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.99% to 31.99% variable based on creditworthiness and the Prime Rate
- Annual Fee $0 or $79
- Credit Needed Good , Fair
- Processing Network Mastercard
- No annual fee
- No foreign transaction fees
- 2X points on Spirit purchases
- 1X points on all other purchases
- Points never expire
- Regular Purchase APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
- Cash Advance APR: 26.99% to 31.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
- Annual Fee: $0 or $79
- Foreign Transaction Fee: 0% or 3% of each Purchase in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Mercury™ Mastercard®
- Regular Purchase APR 23.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 23.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% to 30.99% variable based on the Prime Rate
- Annual Fee $0
- Credit Needed Fair
- Processing Network Mastercard
- No annual fee
- Free access to FICO score
- Reports to the three main credit bureaus
- $0 Fraud Liability if your card is lost or stolen
- Regular Purchase APR: 23.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 23.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 25.99% to 30.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
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1About First Bank and Trust
First Bank & Trust is a small regional bank with 22 branches in the states of South Dakota and Minnesota. The bank is part of a larger holding company – Fishback Financial Corporation – which is one of the largest privately-held banks in South Dakota.
First Bank & Trust has a history dating back over 130 years, with its headquarters in Brookings, SD. The bank offers a full range of services, including personal checking and savings accounts, insurance, loans (including auto loans, mortgages, and HELOCs), as well as business financial services.
The bank is most famous nationwide, however, for its Mercury Mastercard, one of the more popular credit repair options available today.
First Bank & Trust Locations
First Bank and Trust feature 22 branches in South Dakota and Minnesota. These locations are:
Minnesota
- Cambridge
- East Bethel
- Edina
- New Prague
- Pipestone
- Princeton
- Roseville
South Dakota
- Brookings (Headquarters)
- Canton
- Garretson
- Madison
- Milbank
- Sioux Falls
- Toronto
- Vermillion
- Watertown
- White
Mercury Mastercard
While First Bank & Trust is known locally for its excellent customer service, it is better known nationally for its credit cards. The most notable among the cards the bank issues for other companies is the Mercury Mastercard.
The Mercury Card is one of many credit cards for people with bad credit scores. The card benefits from no annual fee but requires an invitation to apply.
Because of this reservation code requirement, there are other credit repair options available. These cards offer comparable interest rates (with some examples, such as the Milestone Gold Mastercard and Indigo Mastercard offer lower APR than Mercury) and similar credit limits.
Similar Options to the Mercury Credit Card That Don’t Require a Reservation Code
Read the Milestone® Gold Mastercard® Review
The Milestone Gold Card is designed with those with bad credit in mind. The card offers a fixed-rate APR, quick prequalification, and a modest annual fee.
Why Choose the Milestone Gold?
Slightly lower APR than the many credit cards for bad credit
- No credit score impact when applying
- Quick prequalification
- Mastercard is accepted in 212 countries worldwide
Read the Indigo® Platinum Mastercard® Review
The Indigo Platinum Card is similar to the Milestone Gold in that it features a fixed-rate APR, modest annual fee, and prequalification.
Why Choose the Indigo Platinum?
Slightly lower APR than many credit cards for bad credit
- Quick prequalification
- Choose your card design
- Mastercard is accepted in 212 countries worldwide
Read the First Access Solid Black VISA® Credit Card Review
The First Access Solid Black is a sleek-looking Visa card designed for those with bad credit or no credit history at all. The card regularly reports to all the major credit bureaus, making it a great way to rebuild credit with responsible use.
Why Choose the First Access Solid Black Visa?
- Doesn’t require reservation code
- Quick application process
- Fixed-rate APR
FAQs About First Bank & Trust of South Dakota
Here are some answers to commonly asked questions about First Bank & Trust:
What is the routing number for First Bank & Trust?
- The routing number is 091408446.
How can I contact customer service representatives for First Bank and Trust?
- First Bank & Trust’s customer service phone number is 1-800.843.1552.
