The First National Bank is a personal credit card from First National Bank. The annual fee is $0. The ongoing APR is 15.74% to 23.74% variable, based on creditworthiness after a 0% for the first 12 months introductory rate for 12 months. 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 reports activity to your personal credit report.