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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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Date Reviewed: January 17, 2020

Mercury™ Mastercard®

Mercury™ Mastercard®
  • Regular Purchase APR 23.99% to 28.99% variable based on the Prime Rate
  • Balance Transfer APR 23.99% to 28.99% variable based on the Prime Rate
  • Cash Advance APR 25.99% to 30.99% variable based on the Prime Rate
  • Annual Fee None
  • 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: 23.99% to 28.99% variable based on the Prime Rate
  • Balance Transfer APR: 23.99% 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: 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
  • 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

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:


  • 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 Total Visa® Unsecured Credit Card Review 

The Total Visa is another visa product for those with bad credit. The card prioritizes credit building over punishing those with a bad credit score, meaning even the worst credit scores can likely receive the card! 

Why Choose the Total Visa? 

  • Visa is accepted at more merchants than Mastercard, though this card can only be used in the United States
  • Doesn’t require reservation code
  • Fixed-rate APR vs. variable APR with some other instant approval cards

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 quickly. 

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.