Pick 'n Save Rewards World Elite Mastercard — First Bank & Trust is a personal credit card from First Bank & Trust. The annual fee is $0. The ongoing APR is 18.24%–32.24% This APR will vary with the market based on the U.S. Prime Rate.. Signup bonus: Earn a $100 Kroger Reward after $750 in net spend on the card outside of Kroger Channels within 90 days of opening an account.. Rewards: up to 5x points on pickup and delivery orders; 4x points at our fuel pumps; up to 3x points in our stores; 2x points on dining, utilities & travel; earn 1 point for every $1 spent on all other eligible purchases.