FirstBank & Trust
Cash Back Rewards Credit Cards

The Cash Back Rewards Visa® Card offers an array of benefits and features and up to a $25,000 credit limit. Minimum limit $500.

Cash Benefits: 

0% APR
for the first 12 months from the date of account opening on purchases and balance transfers.1

Cash Back Rewards
on gas and groceries for your first $20,000 combined net spend annually.2

Cash Back Rewards
on all other net qualifying purchases.2

No Annual Fee1

15.00% APR
variable APR after intro period.1

Click "Apply Now" to print the application. Submit completed application in "Messages" via Online Banking.

Apply Now

1Pricing and Terms


Choose from one of our unique designs:

Use your Cash Back Rewards how you like:

  • Deposit into your checking account
  • Have your rewards go towards your next credit card bill
  • Redeem for a wide variety of gift cards
  • Book your next flight


Credit Card Cardholder Agreement

ScoreCard Rewards Terms and Conditions

2 3% Cash Back Rewards on the first $20,000 combined net spend annually between gas and groceries. Spend over this amount will receive 1% Cash Back Rewards on net purchases. Points can be redeemed for a credit to your credit card account or deposit account held at a domestic United States Financial Institution. Minimum point redemption amount applies. Review the program’s terms and conditions at or call ScoreCard Customer Service at 1-800-854-0790. The program’s rules can change at any time without notice. Void where prohibited or restricted by law.

Credit Cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services. Normal Underwriting guidelines apply.

Visa Signature is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A., Inc.

Existing Credit Card Customers: To request your personal Credit Card Cardholder Agreement, please call us at 877.346.1418 or email us at