Last Updated: 07/28/2025
SuperMoney User Recommendation Score -10
Mostly not recommended10 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
500 - 750
Annual Fee
$0
Number of Reviews
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 Visa® Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 eligible 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 up to 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 poor credit.
Pros & Cons of First National Bank credit card
| The Good | The Bad |
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.First National Bank Visa® Credit Card has a variable purchase APR of 29.99%. First National Bank Visa® Credit Card does not offer balance transfers. 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. First National Bank Visa® Credit Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $25 . Does First National Bank credit card have a foreign transaction fee?
First National Bank credit card charges a foreign transaction fee of up to 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.What is the support contact email for First National Bank credit card?
The support contact email for First National Bank credit card is n/a.
How do people rate the customer service and user experience of First National Bank credit card?
Overall, First National Bank credit card is mostly not 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 to the following credit bureaus:
- 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 build your credit.
Does First National Bank perform a hard credit pull?
Yes, First National Bank credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First National Bank credit card
- Visit the website of First National Bank credit card.
- 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.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -10, or 2.8 on a 5-point rating scale.
-10
-1000+100
No one recommends
Everyone recommends
First National Bank Visa® Credit Card Community Reviews
Would you recommend First National Bank Visa® Credit Card to your friends?
WH
William H.
Feb 2, 2023
May or may not recommend
My husband applied for a card and we got a letter days later that the card was on it's way. A few days later we got another letter demanding 75. 00 fee when we never even got the card yet. We called and was told that they would cut the fee in half but we told them to cancel it and we're not paying them anything. We're going to notify ...Show More
CB
Carroll B.
Sep 29, 2021
May or may not recommend
Very helpful when in tough situation with accessing you funds anywhere
Hank _.
Sep 7, 2021
May or may not recommend
I received a preapproval, just to be turned down... The hit on my credit was the opposite effect I'm tying to achieve. I would not recommend First National Credit if your credit is less than perfect.
ND
Nicholas D.
Apr 11, 2021
May or may not recommend
Their website is always broken(six months straight), and the mobile app is also unreliable. Makes it hard to get into your account and pay your bills, then they get the opportunity to charge you fees, even though you've got the money to pay off your balance. It's as if they are intentionally setting a trap for you to fall into so that they can charge more fees. This page claims ...Show More
LR
Lacey R.
Jul 22, 2020
May or may not recommend
Absolutely NOT! i wouldnt recommend them to anyone! They sent me a pre approval in the mail and then declined me! Dropped my credit score from a 629 to a 627 and gave me a hard inquiry on my report! Only reason I applied is because I'm building my credit and was pre approved! Oh and by the way all my credit cards are paid off and up to date. ...Show More
HT
Haxel T.
Jul 19, 2020
May or may not recommend
Customer service reps are extremely rude. I have 1500$ limit, my balance is 1153$ i was declined for 20$ even though i have available balance because i scheduled a 500$ payment on the 16th to come out on due date of the 20th and they put an additional hold for the 500 i was paying them. Im cancelling my card.
SH
Shelly H.
Apr 15, 2020
May or may not recommend
The interest is high, but that is because my credit score is low. I have had this card about a year now and really have no complaints. I pay on time and have even received a balance increase.
Samuel S.
Sep 21, 2019
May or may not recommend
See some details great card and will help build credit if you do as you should.
AS
Allen S.
Jul 7, 2019
May or may not recommend
they are there when other cards dont give chances, or second chances
TM
Tina M.
May 22, 2019
May or may not recommend
This card offers great rates and low fees for the credit challenged
Showing 10 of 10 reviews
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