The First Bank & Trust is a personal credit card from First Bank & Trust. Application typically pulls a hard report from TransUnion. The annual fee is $0. Signup bonus: $50 bonus when you spend $500 using your Shell Credit Card in the first 60 days after opening a new account. Rewards: 4% back at Shell stations on fuel, EV charging and in-store purchases; 3% back at restaurants and grocery stores; 2% back everywhere Mastercard is accepted (redeemable as statement credits on Shell purchases).