The 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 (terms accurate as of 10/2026) after a 0% introductory APR for the first 6 billing cycles on purchases; 0% for the first 6 billing cycles on balance transfers made within 186 days of account opening introductory rate. Signup bonus: 2,500 points after first purchase. Rewards: 1.5 points per $1 on eligible net purchases (up to 1.5% cash back).