Personal Credit Cards: Flexibility While Building Credit

The obvious benefit of a credit card is the flexibility to pay off purchases on your own time; but what most people won't tell you is credit cards are crucial to building solid credit — which is your ticket to financial security.

Visa® is easy to use and is accepted worldwide. We offer different cards for different needs, including a rewards card. Earn points for every dollar spent to use for travel, merchandise and more.

  • Competitive rates*
  • Earn rewards to use for travel and merchandise
  • Accepted worldwide
  • Local customer service
  • Protect online purchases with Verified by Visa®
  • Easy online account management

What are the perks of a personal credit card from First National Bank and Trust Company?

Competitive Rates

Our credit cards offer No Annual Fee and a special introductory APR on purchases and balance transfers. See important disclosures here for more details.

Chip Card Security

Get big protection in a tiny chip. Chip technology protects you from in-store fraud by creating a one-time use code for each chip transaction.

Fraud Monitoring 

We’ll notify you via email or text alerts if suspicious activity occurs on your account.

Travel Benefits

For protection while traveling, your card automatically provides you and your family with Travel Accident Insurance. 

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 contact us via phone, emailLive Chat or in-person 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 call 217-935-2148. #igniteprosperity

*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 3.25% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 9.99% and 19.99%, Platinum Edition APRs are currently between 8.99% and 18.99%, and Cash Rewards Platinum APRs are currently between 12.99% and 22.99%. Rates are accurate as of April 30, 2020 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.