First National Bank Visa Credit Card
in Personal Credit Cards from First National Bank
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Would you recommend First National Bank Visa Credit Card to your friends?
| Community Rating | Mostly recommended |
| Purchase APR (Variable APR) | 29.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 500 - 750 |
| Annual Fee | $75 |
| Number of Reviews | 6 |
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.
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%
- 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.
First National Bank Visa Credit Card Pros & Cons
| The Good | The Bad |
|---|---|
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First National Bank Visa Credit Card FAQ
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% .
Does First National Bank Visa Credit Card have an introductory APR offer on balance transfers?
No, First National Bank Visa Credit Card does not come with an introductory APR offer for balance transfers.Does First National Bank Visa Credit Card have an introductory APR offer on new purchases?
First National Bank Visa Credit Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for First National Bank Visa Credit Card?
The following fees apply to First National Bank Visa Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $75 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | $25 |
| Late Payment Fee | $25 |
Does First National Bank Visa Credit Card have a foreign transaction fee?
First National Bank Visa 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 a foreign transaction fee.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.
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.
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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 | |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 2% |
| Foreign Currency Transaction Fee | 2% |
| Annual Fee | $75 |
| Minimum Interest Charge | $1 |
| Returned Payment Fee | $25 |
| Additional Card Fee Amount | $20 |
| Late Fee Amount | $25 |
First National Bank Visa Credit Card Community Reviews
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