First National Bank Visa Credit Card Review

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

This card is designed for people who have bad credit. The minimum credit score to apply is 500. 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.

Pros & Cons of First National Bank Visa Credit Card

The Good	The Bad
No annual fee. Considers applicants with fair or poor credit. First National Bank Visa Credit Card reports to multiple credit bureaus.	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 rewards.

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:

• Zero fraud liability
• 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 a variable purchase APR starting at 16.4% . It also has a variable cash advance APR starting at 25.4% .

First National Bank Visa Credit Card Balance Transfers

Description
Balance Transfer APR	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

First National Bank Visa Credit Card Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	Starting at 16.4%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	Starting at 25.4%
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the First National Bank Visa Credit Card fees?

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

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.