The First National Bank, Ames, Iowa is a business credit card from First National Bank, Ames, Iowa. The annual fee is No annual fee.. The ongoing APR is 11.99% to 19.99% based on your creditworthiness after a 0% Introductory Purchase Annual Percentage Rate (APR) for 12 months introductory rate for 12 months. Approval typically requires a credit score of Good/Excellent or higher. Signup bonus: 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening. Rewards: Earn 3 points per dollar spent at gas stations, grocery stores, discount stores, restaurants and fast food locations. Earn one point per dollar spent on all other 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. 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%).