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  First National Bank Visa Credit Card

First National Bank Visa Credit Card

in Personal Credit Cards from First National Bank

Unaffiliated

First National Bank Visa Credit Card

Unaffiliated

in Personal Credit Cards from First National Bank

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Community Rating

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Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 750
Annual Fee $75
Purchase APR  (Variable APR) 16.55% - 29.99%

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:

  • Competitive APRs. First National Bank Visa Credit Card has a variable purchase APR that ranges from 16.55% up to 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 and Cons:

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.
  • 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 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.

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 that ranges from 16.55% up to 29.99%. It also has a variable cash advance APR starting at 25.65% .

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.
First National Bank Visa Credit Card Purchase Intro Offer
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:

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 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 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.

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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 $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
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
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 750
Card Type Bad Credit
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 25.65%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 16.55% - 29.99%

First National Bank Visa Credit Card Community Reviews

 

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