The First National Bank of Waterloo is a business credit card from First National Bank of Waterloo. Application typically pulls a credit report from TransUnion. The annual fee is No annual fee. The ongoing APR is 17.49% to 26.49% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% introductory APR for the first 6 billing cycles on purchases and balance transfers introductory rate. Signup bonus: 2,500 bonus points after your first purchase. Rewards: 1.5X points per $1 spent on all eligible purchases; 5.5X points on prepaid hotels and car rentals booked directly in the Travel Center.