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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Platinum Edition<sup>®</sup> Visa<sup>®</sup> Card

Platinum Edition® Visa® Card

  • 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 10.99% and 18.99% 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.

0% INTRODUCTORY APR for the first 15 billing cycles

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

No Annual Fee.

Why we like it
  • Low intro APR on purchases and balance transfers.
We least like
  • No rewards.
Secured Visa<sup>®</sup> Card

Secured Visa® Card

  • No annual fee.1
  • 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).
  • 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).
  • You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history (subject to credit approval).
  • Card's activity is reported to all three major credit bureaus.
  • Variable 19.24% APR1 on purchases and balance transfers, based on the Prime Rate.

17.99% variable APR on purchases and balance transfers

No annual fee.