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 18.24% to 28.24% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles on purchases; 0% for the first 12 billing cycles on balance transfers made within 366 days of account opening introductory rate. Rewards: 3% cash back (1.5% base and 1.5% bonus) on eligible net purchases for the first 12 billing cycles, up to $20,000; then 1.5% cash back; 5% cash back on prepaid car rental and hotel booked through the Travel Center.