The First National Bank of Waterloo is a business credit card from First National Bank of Waterloo. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 26.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles (balance transfers made within 366 days of account opening) introductory rate. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days (limited time offer). Rewards: 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less), cell phone service providers, office supply stores and dining (incl. takeout/food delivery); 1% on all other eligible purchases; 5% on prepaid hotels and car rentals booked in the Travel Center. Loan terms: Revolving business credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; optional Card ExtendPay fixed-payment plans. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).