Personal Credit Card

First National Bank is here to help with your credit card needs. Whether you're looking for something with a lot of rewards or simply a low interest rate, we've got a card for you.

First National Bank Preferred Points Credit Card

Earn rewards while you shop!

Account Features
Flexible reward options

  • Low introductory rate for first six months
    • Click here for information about current APRs and fees*
  • No annual fee**
    • Click here for important terms and conditions
  • 25-day interest free grace period on all purchases
    • No grace period on cash advances
  • 24-hour toll-free live customer service available at 800.367.7576
  • Online account information available 24/7 at eCustService
  • A host of extraordinary MasterCard benefits including rental car collision damage waiver protection
  • Same rate on purchases and cash advances- unlike other cards, we do not charge a higher rate when you need cash
  • Other fees may be charged
  • Earn points that you can redeem for rewards
    • Earn one point for each dollar spent, up to 10,000 points per month
    • Redeem your points for a variety of rewards, including but not limited to
      • Cash-back
      • Retail gift cards
      • Travel
      • Cameras
      • MP3 players
      • Home theater systems
      • Portable DVD players
      • Sporting Equipment
      • Jewelry
      • Luggage
      • Electronics
      • Video game equipment
      • Other gift cards

To view or redeem your rewards points, visit www.mypreferredpoints.com or call 866.678.5191.

First National Bank Low Rate Credit Card

Saving you money with competitive interest rates!

Account Features

  • Low introductory rate for the first six months
    • Click here for information about current APRs and fees*
  • No annual fee**
    • Click here for important terms and conditions
  • Competitive ongoing APR
    • Click here for information about current APR's and fees
  • 25-day interest-free grace period on all purchases
    • No grace period on cash advances
  • 24-hour toll-free live customer service available at 800.367.7576
  • Online account information available 24/7 at www.cardaccount.net
  • A host of extraordinary MasterCard benefits including rental car collision damage waiver protection
  • Same rate on purchases and cash advances- unlike other cards, we do not charge a higher rate when you need cash
  • Other fees may be charged


Ready to apply? 

It's easy!

  • Pick up an application at one of our branches, or download the PDF application
  • Type in the information or fill it out with a blue or black pen
  • Send us your completed application by
    • Faxing it to the Card Service Center at 877.809.9162
    • Mailing it to:
      Card Service Center
      PO Box 569120
      Dallas, TX 75356-9120
    • Bringing it by one of our branch locations

* Please see application for information about current APRs and fees.
**Annual Fee Terms and Conditions
Concierge Services available only with World MasterCard.

Financing Needs

First National Bank understands that each customer is unique. We offer two personal credit card options so you can choose the card that best fits your needs. Or, if you have bigger plans, check out our loan page. Regardless of your financing needs, First National Bank can help.

Customer Service

Our competitive interest rates and flexible rewards make First National Bank the best choice for your personal credit card needs. When you open a credit card with us, you’re choosing personal, professional customer service that many larger companies simply cannot offer. You’ve chosen First National Bank to handle your banking needs, now let us help with your credit card needs, too!