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. The ongoing APR is 18.24% to 32.24% variable, based on U.S. Prime Rate. Signup bonus: $100 Kroger reward after $750 in net spend outside Kroger channels within 90 days of opening an account. Rewards: Up to 5x points with Kroger; 1 point for every $1 spent on all other eligible purchases; points never expire for active cardholders.