First National Bank was founded in 1857 and has become the largest privately-owned bank holding company in the United States. First National Bank is one of only four banks that issue four credit card payment networks: Visa, MasterCard, Discover and American Express.

Below is a selection of First National Bank credit cards.

  • Business Edition® Visa® Card with Absolute Rewards®

    Business Edition<sup>®</sup> Visa<sup>®</sup> Card with Absolute Rewards<sup>®</sup>

    Business Edition® Visa® Card with Absolute Rewards®

    • Our Rating:
    • Our Rating:
    • 3.80/5
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    With Absolute Rewards® every dollar spent is a reward point for you!†.

    Why we like it
    • 0% APR* on Purchases and Balance Transfers for 6 Billing Cycles.
    • 5 POINTS PER $1 SPENT on qualifying business expenses (up to $25,000 during each 12 billing cycle period).†
    • 2 POINTS PER $1 SPENT on qualifying gas and dining transactions (up to $25,000 during each 12 billing cycle period).†
    • 1 POINT PER $1 SPENT on other purchases.†
    • No annual fee.*
    • Competitive rates.
    • Separate business and personal expenses.

    Intro APR

    0% APR* on Purchases and Balance Transfers for 6 Billing Cycles.

    Regular APR

    Ongoing variable APR will be 12.99%, 14.99% or 19.99%, based on your creditworthiness.

    Annual Fee

    No annual fee.*
    Why we like it
    • With Absolute Rewards® every dollar spent is a reward point for you!†.

    Intro APR

    0% APR* on Purchases and Balance Transfers for 6 Billing Cycles.

    Regular APR

    Ongoing variable APR will be 12.99%, 14.99% or 19.99%, based on your creditworthiness.

    Annual Fee

    No annual fee.*
    • 0% APR* on Purchases and Balance Transfers for 6 Billing Cycles.
    • 5 POINTS PER $1 SPENT on qualifying business expenses (up to $25,000 during each 12 billing cycle period).†
    • 2 POINTS PER $1 SPENT on qualifying gas and dining transactions (up to $25,000 during each 12 billing cycle period).†
    • 1 POINT PER $1 SPENT on other purchases.†
    • No annual fee.*
    • Competitive rates.
    • Separate business and personal expenses.
  • Business Edition® Visa® Card

    Business Edition<sup>®</sup> Visa<sup>®</sup> Card

    Business Edition® Visa® Card

    • Our Rating:
    • Our Rating:
    • 3.40/5
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    Rate This Card

    No annual fee.

    Why we like it
    • 0% introductory APR* on purchases and balance transfers for the first 6 billing cycles.
    • APR after the introductory period will be 10.49%, 13.49% or 18.49%. This APR will vary with the market based on the Prime Rate.
    • No annual fee.*
    • Control your financials with a competitive rate.

    Intro APR

    0% APR* on Purchases and Balance Transfers for 6 Billing Cycles.

    Regular APR

    10.49%, 13.49% or 18.49%

    Annual Fee

    No annual fee
    Why we like it
    • No annual fee.
    We least like
    • No rewards program.

    Intro APR

    0% APR* on Purchases and Balance Transfers for 6 Billing Cycles.

    Regular APR

    10.49%, 13.49% or 18.49%

    Annual Fee

    No annual fee
    • 0% introductory APR* on purchases and balance transfers for the first 6 billing cycles.
    • APR after the introductory period will be 10.49%, 13.49% or 18.49%. This APR will vary with the market based on the Prime Rate.
    • No annual fee.*
    • Control your financials with a competitive rate.
  • Platinum Edition® Visa® Card

    Platinum Edition<sup>®</sup> Visa<sup>®</sup> Card

    Platinum Edition® Visa® Card

    • Our Rating:
    • Our Rating:
    • 3.40/5
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    Low intro APR on purchases and balance transfers.

    Why we like it
    • No Annual Fee.1
    • 0% INTRODUCTORY APR1 for the first 15 billing cycles on balance transfers. After that, a variable APR1 based on the Prime Rate between 10.49% and 18.49% APR depending on your creditworthiness
    • $25 statement credit when you make a purchase within the first 3 billing cycles.2
    • View your FICO® Credit Score each month online - for FREE! Knowing your FICO® Credit Score can help you maintain or even improve your financial health.
    • Zero Liability4 Our 24/7 guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.
    • Auto Rental Insurance Receive coverage, at no additional cost, for damage due to collision or theft up to the actual cash value of most rental vehicles.
    • Travel Accident Insurance Receive coverage for common carrier accidental death or dismemberment, at no extra cost, when you charge your entire travel fare to your card.
    • Purchase Protection Will replace, repair, or reimburse you for eligible items of personal property up to $1,000 per claim for ninety (90) days from the date of purchase due to covered reasons.
    • Extended Warranty Covers exactly what the original U.S. warranty covers up to a maximum of one additional year. If covered damage or breakage occurs, the item will be repaired or replaced.

    Intro APR

    0% INTRODUCTORY APR for the first 15 billing cycles

    Regular APR

    After the intro period, a variable APR based on the Prime Rate between 10.24% and 18.24% APR depending on your creditworthiness

    Annual Fee

    No Annual Fee.
    Why we like it
    • Low intro APR on purchases and balance transfers.
    We least like
    • No rewards.

    Intro APR

    0% INTRODUCTORY APR for the first 15 billing cycles

    Regular APR

    After the intro period, a variable APR based on the Prime Rate between 10.24% and 18.24% APR depending on your creditworthiness

    Annual Fee

    No Annual Fee.
    • No Annual Fee.1
    • 0% INTRODUCTORY APR1 for the first 15 billing cycles on balance transfers. After that, a variable APR1 based on the Prime Rate between 10.49% and 18.49% APR depending on your creditworthiness
    • $25 statement credit when you make a purchase within the first 3 billing cycles.2
    • View your FICO® Credit Score each month online - for FREE! Knowing your FICO® Credit Score can help you maintain or even improve your financial health.
    • Zero Liability4 Our 24/7 guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.
    • Auto Rental Insurance Receive coverage, at no additional cost, for damage due to collision or theft up to the actual cash value of most rental vehicles.
    • Travel Accident Insurance Receive coverage for common carrier accidental death or dismemberment, at no extra cost, when you charge your entire travel fare to your card.
    • Purchase Protection Will replace, repair, or reimburse you for eligible items of personal property up to $1,000 per claim for ninety (90) days from the date of purchase due to covered reasons.
    • Extended Warranty Covers exactly what the original U.S. warranty covers up to a maximum of one additional year. If covered damage or breakage occurs, the item will be repaired or replaced.
  • Secured Visa® Card

    Secured Visa<sup>®</sup> Card

    Secured Visa® Card

    • Our Rating:
    • Our Rating:
    • 3.20/5
    • Your Rating:
    Rate This Card

    No annual fee.

    Why we like it
    • No annual fee.
    • Variable 18.24% APR1 on purchase and balance transfers, based on the Prime Rate.
    • REQUEST YOUR OWN CREDIT LIMIT by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply (subject to credit approval).
    • Establish or improve your credit. You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history with us (subject to credit approval).
    • Plus, qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments (subject to credit approval).
    • Deposit Account Disclosure

    Regular APR

    17.99% variable APR on purchases and balance transfers

    Annual Fee

    $19 Annual fee

    Credit Required

    Bad
    Why we like it
    • No annual fee.
    We least like
    • No low intro APR.

    Regular APR

    17.99% variable APR on purchases and balance transfers

    Annual Fee

    $19 Annual fee

    Credit Required

    Bad
    • No annual fee.
    • Variable 18.24% APR1 on purchase and balance transfers, based on the Prime Rate.
    • REQUEST YOUR OWN CREDIT LIMIT by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply (subject to credit approval).
    • Establish or improve your credit. You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history with us (subject to credit approval).
    • Plus, qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments (subject to credit approval).
    • Deposit Account Disclosure