Last Updated: 07/28/2025
First National Bank Visa® Credit Card
Unaffiliated
in Credit Cards from First National Bank
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
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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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 customer service phone number for First National Bank credit card?
The customer service number for First National Bank credit card is .
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.
What is the login page for First National Bank credit card?
You can access the login page of First National Bank credit card here.
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.
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