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 Intro fee for the first year, after that, $20, waived based on spend (an Annual Fee will not be charged if annual net spend for the preceding 12 months is $15,000.00 or greater). The ongoing APR is 17.99% to 24.99% 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 2% cash back on travel, hotels, car rentals, and restaurants; 1% cash back on all other purchases.