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Best Egg Visa® Credit Card
- Regular Purchase APR 24.99% variable based on the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Visa
Best Benefits
- No annual fee
- No foreign transaction fees
- No impact to your credit score if declined
Rates & Fees
- Regular Purchase APR: 24.99% variable based on the Prime Rate
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Credit Card Deals
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Free Spirit® Points Plus Mastercard®
- Regular Purchase APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Annual Fee $0 to $79
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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: 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 28.49% to 30.49% 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: 28.49% to 30.49% 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 to $79
- Foreign Transaction Fee: 0% or 3% of each Purchase in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: n/a
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network Microsoft Offer Expires on 12/31/2023 See Details
Get creative with a digital colouring book by artist Jenny Haslimeier Jenny Haslimeier Offer Expires on 09/30/2022 See Details
Embark on an adventure in the caves and craters around Mount Etna Go-Etna Offer Expires on 01/24/2031 See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Free Spirit® Points Mastercard®
- Regular Purchase APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Annual Fee $0 or $79
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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: 28.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 28.49% to 30.49% 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: 28.49% to 30.49% 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 $41
- Return Payment Penalty Fee: Up to $41
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network Microsoft Offer Expires on 12/31/2023 See Details
Get creative with a digital colouring book by artist Jenny Haslimeier Jenny Haslimeier Offer Expires on 09/30/2022 See Details
Embark on an adventure in the caves and craters around Mount Etna Go-Etna Offer Expires on 01/24/2031 See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Mercury™ Mastercard®
- Regular Purchase APR 28.49% to 30.49% variable based on the Prime Rate
- Balance Transfer APR 28.49% to 30.49% variable based on the Prime Rate
- Cash Advance APR 28.49% to 30.49% variable based on the Prime Rate
- Annual Fee $0 to $79
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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: 28.49% to 30.49% variable based on the Prime Rate
- Balance Transfer APR: 28.49% to 30.49% 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: 28.49% to 30.49% 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 $41
- Return Payment Penalty Fee: Up to $41
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network Microsoft Offer Expires on 12/31/2023 See Details
Get creative with a digital colouring book by artist Jenny Haslimeier Jenny Haslimeier Offer Expires on 09/30/2022 See Details
Embark on an adventure in the caves and craters around Mount Etna Go-Etna Offer Expires on 01/24/2031 See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You’ve viewed 10 of 4 credit cards
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
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FAQs About First Bank & Trust of South Dakota
Here are some answers to commonly asked questions about First Bank & Trust:
- The routing number is 091408446.
- First Bank & Trust’s customer service phone number is 1-800.843.1552.
Find the Best Card for You
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