First National Bank Visa Credit Card Review

First National Bank Visa Credit Card is a 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. This is everything you need to know to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
• 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 qualify.

The Good	The Bad
For card holders with good credit, there may be no annual fee. Considers applicants with fair or poor credit. First National Bank Visa Credit Card reports to multiple credit bureaus.	up to $75 annual fee, plus $20 for an additional card holder for card holders with bad credit. Higher than average purchase APRs. Charges an annual fee of $75 Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 2%. You don't earn rewards on every purchase. Does not include many credit card benefits.

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.

What are the First National Bank Visa Credit Card benefits?

First National Bank Visa Credit Card provides the following benefits:

• ID Theft Protection
• Reports to major credit bureaus

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

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First National Bank Visa Credit Card has higher than average purchase APRs.

First National Bank Visa Credit Card has a variable purchase APR of 29.99%. It also has a variable cash advance APR of 29.99% .

What are the fees for First National Bank Visa Credit Card?

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

First National Bank Visa Credit Card Fees

Fees	Amount
Annual Fee	$75
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?

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 Visa Credit Card

• Visit the First National Bank Visa 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.