Credit Cards
Choose a Visa® credit card that fits how you spend: cash back, rewards points, and business options with built-in protection.
Cashback VISA Credit Card
Best for: everyday purchases when you want straightforward cash back with no annual fee. Earn cash back rewards and redeem through ScoreCard® Rewards.
- No Annual Fee
- Cashback Rewards
- Visit scorecardrewards.com to redeem cashback rewards.
- 1.25% Cash Back
- Fraud Detection Service
- Purchase Security Protection
Minot State Credit Card
Best for: Minot State fans who want a no-annual-fee card plus cash back rewards. A branded card option with ScoreCard® Rewards redemption.
- No Annual Fee
- Minot State Branded Credit Card
- Minot State/First Western Promotional Gift*
- Cash Back Rewards
- Visit scorecardrewards.com to redeem cashback rewards.
- 1.25% Cash Back
- Available to all credit-approved Minot State fans.
- Apply at any local First Western location.
*One per credit-approved Minot State Visa Application. While supplies last.
NDSU Bison Credit Card
Best for: NDSU fans who want ScoreCard® Rewards flexibility (merchandise, travel, and cash back options) without an annual fee.
- No Annual Fee
- NDSU Branded Credit Card
- NDSU/First Western Promotional Gift*
- Scorecard Benefits
- Redeem for Merchandise, Travel, Statement Credit, or Cash Back Rewards
- 1 Point Per $1 Spent
- Visit scorecardrewards.com for a full list of benefits.
- Available to all credit approved NDSU Bison fans.
- Apply at any local First Western location.
*One per credit-approved NDSU Visa Application. While supplies last.
Platinum VISA Credit Card
Our Platinum VISA is ideal for individuals looking for a VISA card that earns points. These points can be redeemed for travel and merchandise.
Best for: customers who want rewards points for travel and merchandise. Earn 1 point per $1 spent on purchases, redeemable through ScoreCard® Rewards.
- Purchase Security Protection
- Scorecard Gift and Travel Rewards
- 1 point for each $1 spent (redeemable through Scorecard Agent)
- $50 annual fee
- Not available to business customers
Relationship VISA Credit Card
Best for: First Western Bank & Trust customers who want a simple, no-annual-fee Visa® credit card with core protection features.
Our Relationship VISA has no annual fee for customers of First Western Bank & Trust.
- Fraud Detection Service
- No Annual Fee
- Available only to First Western Bank & Trust customers
Business VISA Credit Card
Business customers can take advantage of the great benefits offered on our Business VISA.
Best for: business owners who want rewards on purchases and better visibility into company spending. Earn ScoreCard® Rewards points, access online tools for monitoring transactions and making payments, and use separate logins per cardholder with optional statement consolidation.
- Fraud Detection Service
- Purchase Security Protection
- Scorecard Gift and Travel Rewards
- 1 point for each $1 spent (redeemable through Score Card Agent)
$50.00 annual fee for the first card and $15.00 for each additional card. Online access available for monitoring transactions and posting online payments. Each card will have a unique online login with an option to consolidate all card statements.
Frequently Asked Questions
It depends on how you spend. The Cashback VISA fits everyday purchases with no annual fee. The Platinum VISA earns 1 point per $1 for travel and merchandise rewards ($50 annual fee). The Relationship VISA is a no-annual-fee option exclusively for First Western Bank customers. Business owners can use the Business VISA for rewards plus per-cardholder logins and consolidated statements. NDSU and Minot State fans can choose branded cards with cash back and a promotional gift while supplies last.
You can apply online through our website or by visiting any local First Western branch. A banker can help you compare options and complete the application.
Federal law requires us to collect your name, address, date of birth, and other identifying information when you open any account, and we may ask to see identifying documents. This applies to credit card applications as well.
Primary cardholders must meet age and credit qualification requirements, so credit cards aren’t issued directly to minors. However, options like authorized user arrangements may be available depending on the account. Visit a branch to discuss what works for your family.
Cashback and points earned on eligible First Western credit cards are redeemed at scorecardrewards.com. Depending on your card, you can redeem for cash back, merchandise, or travel. The Platinum and Business VISA cards earn 1 point per $1 spent; the Cashback, Minot State, and NDSU cards earn cash back rewards.
When you add your card to a mobile wallet, a unique device account number replaces your actual card number, and each transaction is authorized with a one-time token. That means your real card details aren’t exposed at checkout, whether you’re paying in-store, in-app, or online. Log in to Online & Mobile Banking or contact your branch if you need help setting it up.
Call 1-800-688-2584 during normal business hours, or 1-866-604-0381 after hours, to report a lost or stolen First Western credit card. Have your card number ready if possible, and review recent transactions in MyCardStatement to flag any unauthorized activity.
Contact First Western immediately using the numbers above to report suspicious activity. Our cards include fraud detection service, and you can monitor your account in real time through MyCardStatement and Visa Transaction Alerts.
Call us at 1-800-688-2584 to request a copy of your First Western credit card agreement. A banker can also help you access account terms and statements through MyCardStatement.
MyCardStatement
Manage your First Western Bank credit card anytime — access statements and make payments with MyCardStatement.