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 16.49% - 22.49% 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. Signup bonus: 30,000 bonus points after $2,500 in spending within the first 3 months. Rewards: 1.5 points per dollar on all net purchases. This product reports activity to your personal credit report.