First National Credit Card

The First National Credit Card is a traditional credit card. It is offered to individuals who are banking with First National as well as those who are not. There are several credit card offers to consider through this lender.

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First National Credit Card Offers

First National is a financial institution offering personal, business and commercial banking, investing and credit. In the credit card sector of this institution, there are several credit lines available to both consumers and business customers.

Many of the credit cards offer attractive features including:

• Competitively lower rates to approved customers may be available.
• First National offers online access to accounts for bill payment, transaction overviews and statement detailing for up to seven years.
• Most cards may be personalized with a photo of the user, which can help in protecting the user's account from fraudulent charges.

Some credit cards offered by First National also offer a Platinum Edition Benefits Program. This gives credit card users benefits such as purchase protection, travel accident insurance, extended warranty coverage, car rental discounts and travel assistance services.

Maximum Rewards Platinum Edition Visa Card

One line of credit offered by First National is the Maximum Rewards Platinum Edition Visa Card, which allows the user to earn points. For qualifying purchases, individuals will earn 1.5 points for every dollar spent using the card. Without any point accumluation limit, this line of credit can be attractive. Points can be cashed in for merchandise, gift cards or major airline discounts.

The terms of the card include the following:

• Annual percentage rate for purchases ranges from 12.99 percent to 15.00 percent variable, depending on credit qualifications.
• 20 day grace period from closing date of the billing cycle
• There are no monthly or annual fees
• Balance transfer rates range from 12.00 percent to 15.00 percent, cash advance rates are 20.00 percent and a penalty rate of 29.99 percent is applied.

BucksBack Platinum Edition Visa Card

A second option, the BucksBack Platinum Edition Visa Card, offers a 0 percent APR for the first six billing cycles at the time of the account opening. It also has a similar rewards program, but only one point is earned per dollar spent. With this credit card, users can earn cash back which can be applied to their account or deposited into their savings or checking account. In addition, individuals earn up to 15 percent cash back for shopping at approved retailers online.

The credit terms for the BucksBack Platinum Edition Visa Card are the same as the Maximum Rewards Platinum Edition Visa Card.

Platinum Edition Visa Card

Perhaps the simplest of First National's credit cards, the Platinum Edition Visa Card, is also the most affordable. This line of credit offers no rewards program. It does offer a 0 percent APR on purchases for the first six billing cycles after the account is opened.

The terms of this credit card include:

• After the introductory period, APR ranges from 8.99 percent to 15.99 percent, depending on credit criteria.
• Balance transfer APR is 8.99 percent, 11.99 percent or 15.00 percent.
• Cash advance APR is 20.99 percent
• Penalty rate APR is 29.99 percent.

Select the right credit card offered by First National based on the benefits you would like to receive.

Beware of Complaints

First National has had a number of complaints brought to the forefront regarding its credit card offers. Consumer Affairs reports that the credit card offers received in the mail from First National are confusing. Some complaints state that offers are misleading and that they require an upfront fee.

Before applying for the First National Credit Card, fully research this product and learn what options are available to fit your particular needs. In addition, be aware of any fraudulent advertisements received and report them to the FTC.

To apply for the First National card, visit the company's website directly at FirstNational.com rather than clicking on links within an advertising email or responding to an ad online.

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