Visa Signature® Max Cash Preferred Card — First National Bank of Waterloo is a personal credit card from First National Bank of Waterloo. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.99% to 28.24% variable, based on creditworthiness (after intro). Signup bonus: $150 after $500 in purchases within 90 days. Rewards: 5% cash back in two chosen categories (first $2,000 combined per quarter); 2% in one everyday category; 1% on other purchases.