Consumer Credit Cards

We make it easy to choose the credit card that is right for you – Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

How To Apply For A Credit Card

Download the PDF application on this page to get started PDF
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
Bring in your completed application to a branch office or use ‘Secure Forms’ in Online Banking
For questions, please call or visit any of our First National Bank Branches.

Low Rate Personal Card

Features

No annual fee
Low introductory rate for the first six months¹
Competitive ongoing APR¹
25-day interest-free grace period on all purchases
No grace period on cash advances

Benefits

24-hour toll-free live customer assistance available at 800-447-1688
Online account information available 24/7 at cardaccount.net
Car rental insurance coverage and a host of extraordinary Mastercard®
Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances
Apple Pay is available on your iPhone 6 and other compatible Apple devices to shop and check out wherever the Apple Pay logo is displayed. All our MasterCard® and Visa® consumer cards can be easily linked to an Apple device to “tap and pay” at hundreds of retailers

Extraordinary benefits with Mastercard® including:

Airport Concierge
ID Theft Protection
Global Services
Cell Phone Coverage*
Travel & Lifestyle Services*
Online shopping/delivery discounts*

Fees

Other fees may be charged and fees are listed on the application

Preferred Point Rewards Personal Card

Features

Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month
Low introductory rate for first six months1
Competitive ongoing APR¹
No annual fee
25-day interest-free grace period on all purchases
No grace period on cash advances

Benefits

Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more
To view or redeem rewards points, visit Preferred Points or call 866-678-5191
24-hour toll-free live customer assistance available at 800-367-7576
Online account information available 24/7 at www.cardaccount.net
Car rental insurance coverage and a host of extraordinary Mastercard® benefits
Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances