Personal Credit Cards
We make it easy to choose the credit card that is right for you.
- MasterCard® Low Rate Card
- MasterCard® Preferred Points Card
Personal Card – Low Rate
Benefits
- Competitive annual percentage rate (APR).*
- 24-hour toll-free live customer assistance available at 800-367-7576.
- Online account information available 24/7 at www.cardaccount.net.
- Rental car collision damage waiver protection.
- Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
Features
- No annual fee.
- Low introductory rate for the first six months.*
- Competitive ongoing APR.*
- 25-day interest-free grace period on all purchases. No grace period on cash advances.
Fees
- Other fees may be charged, these fees are listed on the downloadable application**.
**Application not available at this time. Please contact First National Bank for further assistance.
Personal Card – Preferred Points
Benefits
- Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
- Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
- 24-hour toll-free live customer assistance available at 800-367-7576.
- Online account information available 24/7 at www.cardaccount.net.
- Rental car collision damage waiver protection.
- Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
Features
- No annual fee.
- Low introductory rate for the first six months.*
- Competitive ongoing APR.*
- 25-day interest-free grace period on all purchases. No grace period on cash advances.
- Cash advances can be made for up to 50% of the credit line.
- To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
Fees
- Other fees may be charged, these fees are listed on the downloadable application**.
**Application not available at this time. Please contact First National Bank for further assistance.
Supporting Documents needed for Your Card Application
| Sole Proprietor | Partnership | Private Corporation | Public Corporation | Non-Profit | |
|---|---|---|---|---|---|
| Application |  | | | | |
| Organizational Papers | | | | | |
| Borrowing Resolution | | | | | |
| Financial Statements | | | | | |
| Personal Guaranty | | | | ||
| Personal Tax Return | | | |
