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 No annual fee. The ongoing APR is 17.49% to 28.49% variable, based on creditworthiness when the account is opened (after intro; terms accurate as of 10/2026) after a 0% introductory APR for the first 21 billing cycles on purchases and balance transfers (balance transfers within 651 days of account opening) introductory rate. Rewards: 4% cash rewards on eligible net purchases for prepaid air, car rental, attractions and hotel purchases made via the Travel Center.