Personal Credit Cards: Flexibility While Building Credit

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits. Choose from three great options all from the bank you know best.

  • Rewards Platinum - Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.3
  • Cash Rewards Platinum - Earn 1% cash back on all net purchases.3 
  • Platinum Edition - No penalty APR and competitive rates.*
  • Secured Platinum - The card that helps you build or re-build your credit.

Enjoy the following features with all of the above options:

  • Competitive Rates*
  • View Your Credit Score for Free1
  • Cell Phone Protection2
  • Fraud Monitoring with Email and Text Fraud Alerts
  • Mobile payments like Apple Pay® and Google Pay™ for a safe and secure way to pay

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24/HR Client Service

Customer service representatives are located in the U.S. and are dedicated to providing you with personal service. Please call 800-883-0131 for credit card client service support.

How do I get the process started and apply for a credit card?

If you’re interested in applying for a credit card at First National Bank and Trust Company, simply apply here, contact us via phone, email, in-person or choose "Connect Now" below to get started.

DO MORE with your money at First National Bank and Trust Company

At First National Bank and Trust Company, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at First National Bank and Trust Company. First National Bank and Trust Company has locations in Illinois and Wisconsin. For more information visit firstnbtc.com or contact us at 217-935-2148 in Illinois or 866-566-2265 in Wisconsin. #igniteprosperity

Rewards Checking

First National Bank and Trust Company offers a free reward checking account that comes with perks to help you earn more money than you could with a traditional checking account.

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Personal Loans

A personal loan is just that- it's personal. Use it to pay down medical bills, during financial hardships and more. Instead of draining your savings, talk to a First National Bank and Trust Company lender about taking out a low-rate loan.

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*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
2Certain 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 or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.
3Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.