The First National Bank (Hamilton, AL) is a personal credit card from First National Bank (Hamilton, AL). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% - 26.74% variable APR after the 12-month intro period 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.