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 16.49% to 22.49% variable, based on creditworthiness (disclosure accurate as of October 15, 2026). Signup bonus: 30,000 bonus points with $2,500 spend in first 90 days. Rewards: Unlimited 1.5x points on every net dollar spent.