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  First National Bank Visa® Credit Card

First National Bank Visa® Credit Card

in Personal Credit Cards from First National Bank

Unaffiliated

First National Bank Visa® Credit Card

Unaffiliated

in Personal Credit Cards from First National Bank

SuperMoney Net Recommendation Score +14

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +14, equating to 3.3 on a 5 point rating scale.

+14

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

4 users recommend
0 users are unsure
3 users don't recommend
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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 750
Annual Fee $0
Number of Reviews 7

First National Bank Visa® Credit Card Review

This is a cashback credit card issued by First National Bank. If you're wondering whether First National Bank credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Accepts cosigners. First National Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of First National Bank credit card
The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • First National Bank Visa® Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Does not include many credit card benefits.
First National Bank credit card FAQ

Does First National Bank credit card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the First National Bank credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for First National Bank credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 29.99%. It also has a variable cash advance APR of 29.99% .

Does First National Bank credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does First National Bank credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for First National Bank credit card?

The following fees apply:

First National Bank credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee $25
Late Payment Fee $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does First National Bank credit card have a foreign transaction fee?

First National Bank 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 foreign transaction fees.

How do people rate the customer service and user experience of First National Bank credit card?

Overall, First National Bank credit card is mostly recommended based on community reviews that rate customer service and user experience.

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

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

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for First National Bank credit card

  • Visit the First National Bank credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   109 N. St. Paul Avenue
    Fulda, MN 56131
  •   Visit Site

About First National Bank Visa® Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 2%
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $1
Returned Payment Fee $25
Additional Card Fee Amount $20
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 750
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 29.99%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 29.99%
Card Type
  • Cashback
Card Network Visa

First National Bank Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +14, equating to 3.3 on a 5 point rating scale.

+14

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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