First National Bank offers credit card products through TCM Bank that have competitive pricing combined with a full range of reward options—making it easy to select and apply for the card that meets your needs.
Our selection of Visa® Consumer Credit Cards offers the flexibility to separate business from personal expenses, to access free spending reports, and the purchasing power you need to manage your expenses, all with the security that comes with every Visa credit card.
View account activity, pay bills, transfer funds, and much more.
No annual fee and 0% intro APR for 12 months for purchases and balance transfers.*
Earn unlimited reward points that don’t expire!
No annual fee and 0% intro APR for 12 months for purchases and balance transfers.*
Earn unlimited 1% cash back on all purchases!
No annual fee and 0% intro APR for 12 months for purchases and balance transfers.*
No penalty and low interest rates*!
No annual fee and 0% intro APR for 12 months for purchases and balance transfers.*
Earn 30,000 Bonus Points when you spend $2,500 in the first 3 months!
No annual fee and 0% intro APR for 12 months for purchases and balance transfers.*
Earn unlimited reward points that don’t expire!
No annual fee and 0% intro APR for 12 months for purchases and balance transfers.*
Earn unlimited 1% cash back on all purchases!
No annual fee and 0% intro APR for 12 months for purchases and balance transfers.*
No penalty and low interest rates*!
Call the Customer Contact Center 24/7 at 1-800-883-0131. Representatives are located in the U.S. and are dedicated to providing you with personal service, the kind you receive when you come into our branch.
* 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 15.24% and 25.24%, Platinum Edition APRs are currently between 14.24% and 24.24%, and Cash Rewards Platinum APRs are currently between 18.24% and 28.24%. Rewards Platinum Cash Advance APR is currently 27.24%, Platinum Edition Cash Advance APR is currently 27.24%, and Cash Rewards Platinum Cash Advance APRs are currently 27.24%-30.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2023 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A. 1 Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569
