The First National Bank (Hamilton, AL) is a personal credit card from First National Bank (Hamilton, AL). The annual fee is No annual fee. The ongoing APR is 17.74% - 26.99% 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. Cash back: Earn unlimited 1% cash back on all purchases! Cash rewards don't expire.