Get pre-qualified for the
5321 Visa® Credit Card

Your Offer

Credit Card

5321 Visa® Credit Card

Intro Offer: 1.5x points for first 90 days, plus 50k Points with $1,000 spend in the first 90 days*
Earn 5% on Gas and Everyday Transportation**
Earn 3% on Grocery, Dining, and Travel**
Earn 2% on Shop Your Way Merchants and 1% elsewhere**
$0 Annual Fee†
Have a code?Enter it here

Pre-qualification

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Personal

Enter a valid email address in the format name@domain.com

Home address

Enter your 5-digit ZIP code or ZIP+4 code

Identification

Enter your Social Security Number in the format XXX-XX-XXXX

Consent for pre-qualification

By checking the box below, I authorize First Bank & Trust, Brookings, SD to obtain a credit report on me to determine if I am pre-qualified for any credit offers. I understand that this is a soft pull credit check that will not affect my credit score. I also understand that this is not a credit card application and that if I receive a pre-qualified offer for a credit card, I am not guaranteed to be approved for that credit card. Pre-qualified offers are made available at First Bank & Trust discretion and individuals are not evaluated against all First Bank & Trust credit eligibility requirements for pre-qualified offers.

This offer is not a guarantee of credit. Approval is subject to credit qualification.

*When you are approved for a new Shop Your Way 5321 Visa® Credit Card, you will earn 50,000 Shop Your Way® Points on qualifying purchases of $1,000 or more, as well as 1.5x the standard reward earn rate on eligible purchases, made within the first 90 days of account opening and posted to your account during the promotional period. The 1.5x offer equates to 7.5% on gas and everyday transportation purchases, 4.5% on grocery, travel, and dining purchases, 3% on purchases at Shop Your Way merchants, and 1.5% on all other purchases. This offer is only available for new Shop Your Way 5321 Visa accounts opened through 1/18/26 using this personal offer URL. Posting may be delayed due to shipping or merchant processing. The following types of transactions do not qualify as eligible purchases: Balance transfers, Cash advances, Checks accessing your account, Traveler’s checks, money orders, wire transfers, foreign currency purchases, Lottery tickets, gaming chips, and similar betting transactions, Interest, fees, unauthorized charges, and returned items. Your account must be open and in good standing at the time of reward determination. Please allow 4–8 weeks after the promotional period for Points to be credited to your Shop Your Way Membership account. Limit one offer per new account. Terms may change without notice, but changes will not affect accounts already opened under this offer.

**Please visit shopyourway.com/legal or click the ‘Rewards Program Terms’ button above for full details on the SYW membership, point usage, expiration, and restrictions.

†View Full Pricing and Terms by clicking the button above.

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