First National Bank Credit Cards: Everything You Need to Know

First National Bank Credit Cards: Everything You Need to Know

First National Bank (FNB) is one of the largest banks in the United States, offering a wide range of financial products and services, including credit cards. With a variety of credit card options available, FNB credit cards can be a great choice for individuals and businesses looking for a convenient and rewarding way to manage their finances. In this article, we’ll cover everything you need to know about First National Bank credit cards.

Types of FNB Credit Cards

FNB offers a range of credit cards to suit different needs and preferences. Some of the most popular options include:

1. FNB Visa Signature Credit Card: This card offers rewards points, travel insurance, and purchase protection, making it ideal for frequent travelers and shoppers.
2. FNB Cash Rewards Credit Card: This card offers cash back on everyday purchases, such as gas, groceries, and dining.
3. FNB Platinum Credit Card: This card offers premium rewards, travel perks, and exclusive benefits, such as concierge service and travel insurance.
4. FNB Business Credit Card: This card is designed for small businesses and offers rewards, cash back, and expense tracking tools.

Features and Benefits

FNB credit cards come with a range of features and benefits, including:

1. Rewards Programs: Earn points or cash back on purchases, redeemable for travel, merchandise, or statement credits.
2. Low Introductory APR: Enjoy 0% introductory APR for a specified period, followed by a competitive regular APR.
3. No Foreign Transaction Fees: Use your FNB credit card abroad without incurring additional fees.
4. Purchase Protection: Get protection against theft, loss, or damage on eligible purchases.
5. Travel Insurance: Enjoy travel insurance coverage, including trip cancellation, interruption, and delay insurance.
6. Concierge Service: Get personalized assistance with travel, dining, and entertainment arrangements.
7. Expense Tracking Tools: Easily track and manage your expenses with FNB’s online banking platform.

Application and Approval Process

To apply for an FNB credit card, you’ll need to meet the following requirements:

1. Age: You must be at least 18 years old (or 21 in some states).
2. Income: You must have a stable income and a good credit history.
3. Credit Score: You’ll need a good credit score, typically 650 or higher.

To apply, you can:

1. Visit the FNB Website: Fill out an online application form and submit it for review.
2. Visit an FNB Branch: Meet with a representative at a local FNB branch to discuss your options and apply in person.
3. Call FNB Customer Service: Speak with a representative over the phone to apply and ask questions.

Fees and Charges

FNB credit cards come with various fees and charges, including:

1. Annual Fee: A fee charged annually, ranging from $0 to $95, depending on the card.
2. Interest Rate: A variable APR, ranging from 13.99% to 23.99%, depending on your creditworthiness.
3. Late Payment Fee: A fee charged for late payments, up to $38.
4. Foreign Transaction Fee: No foreign transaction fees on most FNB credit cards.

Customer Support

FNB offers 24/7 customer support for credit card customers, including:

1. Phone Support: Call FNB customer service to ask questions, report lost or stolen cards, or request assistance.
2. Online Support: Manage your account, pay bills, and track expenses online or through the FNB mobile app.
3. Branch Support: Visit an FNB branch for in-person assistance and guidance.

Conclusion

First National Bank credit cards offer a range of benefits, features, and rewards programs to suit different needs and preferences. With competitive APRs, no foreign transaction fees, and exclusive benefits, FNB credit cards can be a great choice for individuals and businesses. By understanding the application and approval process, fees and charges, and customer support options, you can make an informed decision about which FNB credit card is right for you.