First Bank & Trust Credit Cards

First Bank & Trust of South Dakota is one of South Dakota’s largest privately-held banks, with over 20 locations throughout the state. The bank also issues several credit cards for consumer use, including the Mercury Mastercard. Browse a selection of credit card offers from our partners below.

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Free Spirit® Points Plus Mastercard®

Free Spirit® Points Plus Mastercard®
  • Regular Purchase APR 26.99% to 28.99% variable based the Prime Rate
  • Balance Transfer APR 26.99% to 28.99% variable based the Prime Rate
  • Cash Advance APR 26.99% to 28.99% variable based the Prime Rate
  • Annual Fee $0 to $79
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 3x Free Spirit Points per $1 on Spirit purchases
  • Earn 2x Free Spirit Points per $1 on grocery and dining purchases
  • Earn 1x Free Spirit Points per $1 on all other purchases
  • Invitation required to apply
Rates & Fees
  • Regular Purchase APR: 26.99% to 28.99% variable based the Prime Rate
  • Balance Transfer APR: 26.99% to 28.99% variable based 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 28.99% variable based the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Annual Fee: $0 to $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
  • Minimum Deposit Required: n/a
Credit Card Deals

Free Spirit® Points Mastercard®

Free Spirit® Points Mastercard®
  • Regular Purchase APR 26.99% to 29.99% variable based on the Prime Rate
  • Balance Transfer APR 26.99% to 29.99% variable based on the Prime Rate
  • Cash Advance APR 26.99% to 29.99% variable based on the Prime Rate
  • Annual Fee $0 or $79
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 2X points on Spirit purchases
  • 1X points on all other purchases
  • Points never expire
Rates & Fees
  • Regular Purchase APR: 26.99% to 29.99% variable based on the Prime Rate
  • Balance Transfer APR: 26.99% to 29.99% variable based on 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 29.99% 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 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
Credit Card Deals

Mercury™ Mastercard®

Mercury™ Mastercard®
  • Regular Purchase APR 26.99% to 28.99% variable based on the Prime Rate
  • Balance Transfer APR 26.99% to 28.99% variable based on the Prime Rate
  • Cash Advance APR 26.99% to 28.99% variable based on the Prime Rate
  • Annual Fee $0 to $79
  • Credit Needed Fair
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 26.99% to 28.99% variable based on the Prime Rate
  • Balance Transfer APR: 26.99% to 28.99% variable based on 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 28.99% 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 to $79
  • Foreign Transaction Fee: 0% to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

About 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 Card Services

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

FAQs About First Bank & Trust of South Dakota

Here are some answers to commonly asked questions about First Bank & Trust:

  • First Bank & Trust’s customer service phone number is 1-800.843.1552.

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