Bank · FDIC insured
First National Bank and Trust Credit Card Rates
First National Bank and Trust credit cards start at 16.08% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First National Bank and Trust’s credit card rates compare
Compared with banks and credit unions in Kansas, where First National Bank and Trust has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First National Bank and Trust
16.08%APR
- Annual fee
- $12
Visa® & MasterCard®
Lowest rate
Campus Credit Union
8.90%APR
- Annual fee
- None
2nd-lowest rate
Unity One Credit Union
8.90%APR
- Annual fee
- None
First National Bank and Trust credit card score
61
Credit card score
Higher than 4% of U.S. banks and credit unions
- Purchase APRPurchase APR16.08%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First National Bank and Trust ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa® & MasterCard®
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.08% | $12 | Fixed APR for purchases, balance transfers, and cash advances. Grace period: at least 25 days after the close of each billing cycle; no interest charged on purchases if entire balance is paid by due date. Average daily balance method. |
Sources (1)
- agbank.bank/loans/credit-cards · captured Oct 7, 2026
Opening an account
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