Apply today!

Personal Credit Card

Take advantage of our best offer yet!
With a 0% introductory APR on purchases for 12 months1, you get big savings and great rewards with the First National Bank Visa® Credit Card with ScoreCard® Rewards. Take a closer look at the benefits—and you’ll see that it’s more than the zero that makes this card so attractive!

Apply Now

Need Help? Call 800-555-5455

Our Best Offer Yet!

  • 0% interest on purchases for the first 12 months the account is opened
  • After the first 12 months, enjoy a competitive variable interest rate lower than the national average of 15% for Rewards Credit Cards
  • No annual fee plus the ability to earn points for great rewards like travel, merchandise, or gift cards
  • Earn 6,500 bonus points if you spend3 $2,500 within the first 90 days the account is opened - that's enough points to redeem for a $50 gift card to popular retailers like Target, Macy's and Home Depot4
  • Act now as this offer won't last long - offer valid from 5/1/2015 to 8/1/2015

Apply Now

Features and Benefits

  • Earn 1 point per $1 in qualifying purchases with no earning limit5
  • Redeem points for exciting merchandise and travel rewards6
  • No annual fee
  • Competitive variable APR
  • Accepted world-wide anywhere Visa is accepted
Annual Percentage Rate(APR) for Purchases 0.00%
Introductory APR for the first twelve (12) months following account opening.

APR after the first twelve (12) months your account is open. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 14.74%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 19.74%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 24.00%
This APR may be applied to your account if you make your payment more than 60 days after the payment due date.
How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. If you do not make six consecutive payments when due, the Penalty APR will apply indefinitely.
How to Avoid Paying Interest on Purchases Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged periodic interest, the charge will be no less than $1.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fees None
Transaction Fees
• Cash Advance Either $10.00 or 3.0% of the amount of each cash advance, whichever is greater.
• Balance Transfer Either $10.00 or 4.0% of the amount of each balance transfer, whichever is greater.
• Foreign Fees 2.0% of each transaction in U.S. dollars.
Penalty Fees
• Late Payment $25.00
• Returned Payment $25.00
How We Will Calculate Your Balance:
For Purchases we use a method called “average daily balance (excluding new purchases)”. Please consult the cardholder agreement for more information about calculating your balance.

Loss of Introductory APR:
We may end your introductory APR and apply the Penalty APR if you make a late payment.

How We Will Calculate Your Variable APRs:
We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

Prime Rate:
We add 11.49% to the Prime Rate to determine the Purchase/Balance Transfer APR (daily periodic rate currently .04038%). We add 16.49% to the Prime Rate to determine the Cash Advance APR (daily periodic rate currently .05408%). Variable APRs are based on the 3.25% Prime Rate as of April 30, 2015.

Discretionary Fees:
You may incur other fees for using this card at your discretion: 1. Pay By Phone Fee – $10 for using a live representative to make a payment via phone; doesn't apply to payments made via our automated payment system. 2. Overnight Card Fee – If you request, and we agree to overnight a card to you a $50 fee will be assessed. The fee is subject to change. Additional fees apply for Saturday delivery.

Cardholder Agreement & Rewards Rules:
To review a copy of our Cardholder Agreement or Rewards Program Rules please visit

Online Account Information

  • To Access your Credit Card account online click here
  • To Access your Credit Card Rewards click here

Practical Money Skills

First National Bank is pleased to provide our customers with access to Practical Money Skills, a website dedicated to ongoing financial education. Visit FNB's Practical Money Skills website by following this link

2 - Source: National Credit Card Rate Report 03-24-2015;
Rewards credit card national average 15.00% APR.

3,5 - Every dollar in qualifying purchase transactions minus returns or adjustments ("Net Purchases") that you make with your First National Bank Visa with ScoreCard Rewards earns rewards points.

No points are earned for finance charges, fees, cash advances, foreign transaction currency conversion charges, ATM withdrawals, balance transfers, or insurance charges posted to your account.

4 - Participating gift card and other reward providers are shown as examples only and are subject to change without notice.

6 - Rewards points expire five years after they are earned. You will be notified on your monthly statement in advance of any point expiration.