The First National Bank is a personal credit card from First National Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Low APR between 9.74% and 19.74%, based on your creditworthiness after a 0% intro APR for 12 months for purchases and balance transfers introductory rate for 12 months. Rewards: 1 point per net dollar spent; points do not expire. This product reports activity to your personal credit report.