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 + 11.24%, 15.24% or 19.24% based on creditworthiness (printed as 18.24%, 22.24% or 26.24%) 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. Rewards: 2% cash back on qualified purchases, no rotating or tiered categories; discounts on Penguins game tickets; 15% discount at PensGear stores (not online). This product reports activity to your personal credit report.