The First National Bank is a personal credit card from First National Bank. The annual fee is No annual fee. The ongoing APR is Prime Rate + 10.24%, 14.24% or 18.24% based on creditworthiness (printed as 17.24%, 21.24% or 25.24%) after a 0% intro APR for the first 12 months on purchases and on balance transfers made within 60 days introductory rate for 12 months. Signup bonus: Double points on purchases for the first 90 days from account opening. Rewards: 1 point for every $1 spent on qualified purchases, no earning limit; points redeemable for merchandise, gift cards, cruises, car rentals and vacation packages; points expire five years after earned. This product reports activity to your personal credit report.