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uChoose Rewards

Earn rewards on purchases you make every day

Use your Debit or Credit Cards to start earning points for your purchases - wherever you shop!

uChoose Rewards is a rewards program that earns you points every time you use your First Bank and Trust Debit1 or Credit Cards2.  Redeem your points for rewards of your choice from a vast online catalog.  Once you've registered your cards for uChoose Rewards and create your online credentials, you will be able to use your points to purchase valuable rewards.

  • Earn points on your consumer and business FBT debit cards and on Business and Platinum credit cards
  • Earn points3,4 every time you use your cards
  • Earn additional points for shopping at participating retailers, in-store or online
  • Receive exclusive offers via email that can earn you even more points
  • Points are tracked for you - check your points balance anytime at
  • Choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards ... and more
  • Redeem your points at anytime - it's your choice!


1First Bank and Trust will begin offering uChoose Rewards on consumer and business debit cards effective December 1, 2018.

2First Bank and Trust offers uChoose Rewards on Business credit cards and on our consumer Platinum credit card.

3FBT debit cards earn one point for every two dollars on net purchases you make on signature-based transactions and one point for every five dollars spent on PIN based transactions.  Merchants determine the manner in which transactions are submitted (signature or PIN).  Points expire after three years on a monthly basis.

4First Bank and Trust credit cards earn one point for every one dollar on net purchases you make.  Qualified purchases include VISA signature-based transactions, including online and other purchases where no PIN is required.  Exclusions include gaming related purchases, cash advances, balance transfers and PIN-based transactions.  Points expire after three years on a monthly basis.  

First Bank and Trust reserves the right to disqualify any cardholder from participating in the program and to invalidate all points for fraud or program abuse.

First Bank and Trust reserves the right to modify, temporarily suspend or cancel the uChoose Rewards program at any time without notice, which may result in the cancellation of outstanding points.