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Credit Cards

Spend securely and earn rewards

First International Bank & Trust offers widely accepted Visa® or MasterCard® options, with a great APR and the convenience of local service.

Badlands Visa® or MasterCard®

No annual fees, Low APR

The Badlands Visa or MasterCard provides widely-accepted credit with responsive service and convenient local payments from First International Bank & Trust.

  • Make your payments right at the bank.
  • Use your credit card at millions of places that accept Visa or MasterCard.

Apply Now

Badlands Visa/Mastercard Disclosure ›

Badlands Visa/Mastercard Billing Rights ›

First Platinum Visa®

Higher limits, greater flexibility

The First Platinum Visa® offers well qualified customers more flexibility, with a minimum $5,000 credit limit.

  • Earn interest at a competitive rate.
  • No annual fee.
  • Make your payments online, or at your local FIBT office.
  • Use your credit card at millions of places that accept Visa or MasterCard.

Apply Now

Platinum Visa Disclosures ›

Platinum Visa Billing Rights ›

uChoose Rewards

Earn rewards when you use your credit card

Reward yourself with the uChoose Rewards Program. Manage your points and redeem rewards at

Getting Started Is Easy!

  • Register your card for uChoose Rewards online at
  • Use your credit card to start earning points
  • Redeem your points for cash back and other rewards

Earn Points

  • Shop using your First International Bank & Trust Badlands, First Platinum or Business Credit Card to start earning points
  • Earn 1 point per $1 spent online or in-store
  • Earn additional points by activating monthly offers at national retailers and making purchases in-store or online

Convenient Access

  • Register your credit card online at
  • View, manage and shop with your points online

Flexible Rewards

  • Redeem points for rewards like cashback, gift cards, electronics, airline tickets, activity vouchers
  • Take advantage of the easy cashback option where you can redeem $1 per 100 points, starting at 1,500 points
  • Combine points between multiple credit cards that you or family members have at First International Bank & Trust

Sign up for uChoose Rewards

Credit Card Agreement Request

For a copy of a credit card agreement, fill out the form below or call us at 1-888-848-3428.

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Type of Card

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