Overview

Who is this credit card designed for?

First National Bank Visa Credit Card is a credit card issued by First National Bank, which is based in Omaha, NE. 

First National Bank Visa Credit Card is designed for people with a credit score of 500 to 750. It's perfect for consumers looking for a card without an annual fee. 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.

What are the relevant APRs?

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%.

Is an introductory APR offer available?

No, First National Bank Visa Credit Card does not come with an introductory APR offer for balance transfers.

First National Bank Visa Credit Card does not offer an introductory rate on new purchases.

What are the fees?

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

• There is no annual fee.
• A late payment penalty of $25.
• A returned payment fee of $25.
• A foreign transaction fee of 2%. Transactions in a foreign currency get hit with a 2% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $20.

Is a rewards program offered?

No, First National Bank Visa Credit Card does not offer a rewards program.

Is a signup bonus offered?

First National Bank Visa Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

First National Bank Visa Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 First National Bank Visa Credit Card provides the following benefits:

• Fraud Liability

• Reports to major credit bureaus

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.