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 12 billing cycles on purchases; 0% for the first 12 billing cycles on balance transfers made within 366 days of account opening introductory rate. Signup bonus: 15,000 points after $500 in purchases within 90 days. Rewards: 1 point per $1 on eligible net purchases; 4 points per $1 at restaurants, fast food and bars (first $2,000 per quarter); 2 points per $1 at gas and EV charging stations, grocery stores and qualifying streaming.