Credit Cards

A man enters his credit card information into a computer

Designed with You in Mind

Whether you are looking to earn points faster or lower your interest rate, we have a card that is right for you. With First Dakota, you can conveniently pay your bill online and take advantage of special offers.

Access your credit card account

Credit Card Options

Welcome Offer:

Attractive one-time sign up bonus once you spend $3,000 in the first 3 months.**


  • No annual fee Terms and Conditions
  • Earn 2% cash back on travel and dining purchases and 1% cash back for every other $1 spent***
  • Easily redeem cash back with no limit to amount of cash back you earn*

Welcome Offer:

Enjoy a one-time bonus once you spend $1,000 on purchases within the first 3 months.**


  • No annual fee Terms and Conditions
  • Earn 1% cash back for every $1 spent*
  • Redeem cash back with no limit to amount of cash back you can earn

Welcome Offer:

0.00% Introductory APR (annual precentage rate) on Balance Transfers and Purchases for 6 months. After that, the variable APR will be Prime + 5.74% to Prime + 13.74% APR based on creditworthiness. Terms and Conditions
A balance transfer fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer.


Our lowest APR card allows you to:

  • Carry a balance each month and enjoy a low monthly payment
  • Consolidate and pay off debt faster
  • Shop more securely than with cash

Please note: Credit Cards are not insured by the FDIC or any other bank insurance and are not deposits or obligations of the bank.

Subject to credit approval. Ask for details.

Mastercard is a registered trademark of Mastercard International Incorporated.

*For details on Rewards Program, please visit []. Rewards options are subject to change without notice.

**Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later.

***We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.