The First National Bank is a business credit card from First National Bank. The annual fee is $0. The ongoing APR is 17.49% variable (Prime Rate + 10.74%; Prime floor 5.25%) (disclosure accurate as of January 1, 2026) after a 0.00% introductory APR on purchases for 9 months introductory rate for 9 months. Approval typically requires a credit score of Good/Excellent or higher. Signup bonus: 20,000 bonus points after $2,000 in Net Purchases within 90 days of account opening. Rewards: 2 points per $1 on Net Purchases in the account's top two merchant category codes (by spend) each month; 1 point per $1 on all other eligible purchases. Cash back: 3 points per dollar spent at gas stations, grocery stores, discount stores, restaurants and fast food locations; 1 point per dollar spent on all other purchases. Typical credit limit: $5,000 - $50,000. Loan terms: Revolving available only when the Company Credit Limit is $25,000 or less (Pay in Full required above $25,000); minimum payment is the entire New Balance or 5% of the New Balance with a $50 minimum; due date 24-30 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; consolidated or individual billing. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).