| Joseph, as the previous card program ends, the new Shop Your Way 5321 Visa® Credit Card is here — built for valued members like you, with superior rewards and no annual fee.3 Apply for the only Card that lets you keep earning and redeeming Shop Your Way Rewards Points. Offer ends January 18, 2026. | | | | | in Points on gas and (NEW) EV charging, rideshare, transit, and more4 | | | | | | | | in Points on groceries, dining, and (NEW) travel4 | | | | | | | | in Points on Shop Your Way Merchant Purchases4 | | | | | | | | in Points on everything else4 | | | | | | |  | | Earn 1.5x Points on all categories for the first 90 days after account opening2 | | | | | | Earn 50,000 Bonus Points when you make $1,000 in eligible purchases in the first 90 days of account opening2 | | | | | | | | | | | | | Use Points as credits towards your current balance
| | | | | | | | | | | | Instant Gift Cards to your favorite brands like Amazon, Walmart, Starbucks, and more5 | | | | | | | | 1This offer is not a guarantee of credit. Approval is subject to credit qualification. The minimum credit limit, provided you meet the terms and conditions of this offer, is $500.00. | | 2When you are approved for a new Shop Your Way 5321 Visa® Credit Card, you will earn 50,000 Shop Your Way® Points on qualifying purchases of $1,000 or more, as well as 1.5x the standard reward earn rate on eligible purchases, made within the first 90 days of account opening and post to your account during the promotional period. The 1.5x offer equates to 7.5% on gas and everyday transportation purchases, 4.5% on grocery, travel, and dining purchases, 3% on purchases at Shop Your Way merchants, and 1.5% on all other purchases. This offer is only available for new Shop Your Way 5321 Visa accounts opened through January 18, 2026. Posting may be delayed due to shipping or merchant processing. The following types of transactions do not qualify as eligible purchases: Balance transfers, Cash advances, Checks accessing your account, Traveler's checks, money orders, wire transfers, foreign currency purchases, Lottery tickets, gaming chips, and similar betting transactions, Interest, fees, unauthorized charges, and returned items. Your account must be open and in good standing at the time of reward determination. Please allow 4–8 weeks after the promotional period for Points to be credited to your Shop Your Way Membership account. Limit one offer per new account. Terms may change without notice, but changes will not affect accounts already opened under this offer. Redemption of Shop Your Way® Points is subject to the Shop Your Way Program Terms and Conditions. Please visit shopyourway.com/legal for full details on point usage, expiration, and restrictions. | | 319.99% - 34.99% variable APR based on your creditworthiness. For full details, refer to the rates and fees of the Important Information. | | 4Applies to Eligible Purchase transactions. Learn more about rewards and the SYW Program at shopyourway.com/5321 | | 5All trademarks, logos, and brand names are the property of their respective owners. Use of these names, trademarks, and brands does not imply endorsement. | | This offer is only valid for new cardholders. Offers may differ from time to time and depend on the marketing channel, such as email, online, direct mail, and in store. | | | Please do not reply to this message, as this email inbox is not monitored. | | The Shop Your Way Program is offered by Transform SR Holding Management LLC. The 5321 Visa® Credit Card is issued by First Bank & Trust, Brookings, SD pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Shop Your Way and related logos are used with permission and under license from Transform SR Brands LLC. | | © 2025 First Bank & Trust, Brookings, SD | | Unsubscribe | Privacy | | | | |
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