Credit Cards
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.
To Apply Now
- Download the PDF of the application
- Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print and then complete it using a blue or black pen.
- Documents vary depending on the type of business you have. See chart below.
- Fax your completed application to the Card Service Center at 877-809-9162
Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs and fees
Business Credit Cards
We make it easy to choose the credit card that is right for you. Our Business Visa® Card is available in two options, Standard Card with no annual fee or the Preferred Points Card.
Business Card - Standard Card
Benefits
- 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.
Features
- No annual fee.
- Competitive ongoing APR.*
- 25-day interest-fee grace period on all purchases. No grace period on cash advances.
- Individual and summary billing options.
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.
Business 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
Features
- Low annual fee of $49.00 per account.
- Competitive ongoing APR.*
- 25-day interest-free grace period on all purchases. No grace period on cash advances.
- To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
- Individual billing option only.
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.
To Apply Now
- Download the PDF of the application.
- Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
- Documents vary depending on the type of business you have. See chart below.
- Fax your completed application to the Card Service Center at 877-809-9162.
Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs and fees.
Supporting Documents for Your Card Application
| Sole Proprietor | Partnership | Private Corporation | Public Corporation | Non-Profit | |
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| Organizational Papers | |
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| Borrowing Resolution | |
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| Financial Statements | |
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| Personal Guaranty | |
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| Personal Tax Return | |
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