Top 3 First National Credit Cards in 2021
First National Credit Card by First National Bank is in the competitive finance market more than three decades ago. This card boasts credibility and loyalty for its customers. It has a range of four cards that have been designed based on different people and their usage. This bank has an image that it treats each customer with the utmost value and importance and thus makes the credit card from this bank even more important to review. Spread across various cities in the United States, this article will give you an insight into the pros and cons of this card along with primary information required before applying for a card.
First National Bank Secured Visa Card
- The APR of this card is 19.99 percent, which is variable.
- Firstly, you do not have to pay an annual fee for this card. This is one great add on point. You will be spending a foreign transaction fee on this card. Thus, each time you make a payment outside the states, you will be paying a certain percent extra. The fee is a hefty 3% of the transaction value.
- The first requirement is that you need to be a resident of the states where First National is present. You have to be minimum 18 years of age.
- There is a late payment fee as well, up to $35.
- This card is a good option for people who wish to build a good credit history.
- This card also has a good fraud coverage, thereby securing the user.
- Known for customer value, it is a comfortable choice to opt.
- The rewards that you receive from the card are not much, making it less lucrative in that term.
First National Bank Platinum Edition Visa Card
- It is the best fit card for people who carry the balance monthly.
- As a promotional benefit, you have 0% APR for the first 15 months. This is one great perk with this card. After 15 months you have to pay an APR ranging from 11.74% to 19.74%. This range is due to the difference based on your credit score.
- You will be paying a foreign transaction fee on this card. Thus, each time you make a payment outside the states, you will be spending a sure percent extra. The fee is a hefty 3% of the transaction value.
- There is a late payment fee as well, up to $35.
- This card is a good option for people who wish to build a good credit history.
- This card also has a good fraud coverage, thereby securing the user.
First National Bank Complete Rewards Visa Card
- The best part is that you get 1% cashback with each purchase that you make using this card.
- You do not have to pay an annual fee for any of its cards, being an add on point.
- Firstly, you do not have to pay an annual fee for this card for the first year.
- After the promotional benefits period is over, you will have to pay an APR in the range of 17.74% to 24.74%.
- The first requirement is that you need to be a resident of the states where First National is present. You also have to be minimum 18 years of age.
- There is a late payment fee as well, up to $35.
- This card is a good option for people who wish to build a good credit history in its entirety.
- This card also has a good fraud coverage; thereby you are secured as the user.
Pros and Cons of First National Credit Card
Pros
- Firstly, being an old bank, established for it is beyond expectation customer value, it is a comfortable choice to opt.
- You do not have to pay an annual fee for any of its cards, being an add on point.
- You get flexibility concerning your credit limit and also enjoy various tools that help in improving your credit score as well. One tool is FICO score checking.
- This card is a good option for people who wish to build a good credit history.
- It has a wide range of acceptability, making the card more useful.
- This card also has a good fraud coverage, thereby securing the user.
- Flexibility in the credit limit empowers the user, being one of the best assets of this card.
Cons
- The rewards that you receive from the card are not much, making it less lucrative in that term.
- You will be paying a foreign transaction fee on this card. Thus, each time you make a payment outside the states, you will be spending a certain percent extra.
- The card is available only in the seven states of the United States, making it less accessible.
