First National Bank Visa Credit Card Review

First National Bank Visa Credit Card is a credit card issued by First National Bank. 

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 500.

Accepts cosigners. First National Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

If you're wondering whether First National Bank Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a First National Bank Visa Credit Card cash back or rewards program?

No, First National Bank Visa Credit Card does not offer a rewards program.

First National Bank Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the First National Bank Visa Credit Card benefits?

First National Bank Visa Credit Card provides the following benefits:

• Fraud Liability
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for First National Bank Visa Credit Card?

First National Bank Visa Credit Card has a variable purchase APR starting at 16.4% .

It also has a variable cash advance APR starting at 25.4% .

What are the First National Bank Visa Credit Card fees?

No Annual Fee. First National Bank Visa Credit Card does not charge an annual fee.

2% Foreign transaction fees. First National Bank Visa Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

The following fees apply to First National Bank Visa Credit Card:

First National Bank Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	2%
Returned Payment Fee	$25
Late Payment Fee	$25

Does First National Bank Visa Credit Card report your account activity to credit bureaus?

First National Bank Visa Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for First National Bank Visa Credit Card

• Visit the First National Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.