The First National Bank is a business credit card from First National Bank. The annual fee is No annual fee. The ongoing APR is 14.99% - 23.99% Variable. Rewards: Earn bonus points for every qualifying net dollar you and your employee cardholders spend to turn those purchases into brand-name merchandise, vacation getaways, gift cards, or statement credits.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).