The First National Bank and Trust is a personal credit card from First National Bank and Trust. Application typically pulls a hard report from Experian. The annual fee is $0.00. The ongoing APR is 16.74% to 26.74% variable, based on creditworthiness (disclosure accurate as of October 15, 2026) after a 0% Introductory APR on purchases and balance transfers introductory rate for 12 months. Rewards: Unlimited 1x point on every net dollar spent.