Bank · FDIC insured
First National Bank Credit Card Rates
First National Bank credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked September 18, 2026.
How First National Bank’s credit card rates compare
Compared with banks and credit unions near Des Moines, IA, where First National Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First National Bank
11.99%APR
- Up to
- 19.99% APR
UMB Simply Rewards Visa Credit Card
Lowest rate
Advantage Credit Union
7.90%APR
- Up to
- 13.90% APR
2nd-lowest rate
IH Mississippi Valley Credit Union
7.90%APR
- Up to
- —
First National Bank credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
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 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.
UMB Simply Rewards Visa Credit Card
Issued by UMB Financial Corporation. Requires Good/Excellent credit score (based on FICO credit scoring). No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory Purchase APR: 0% introductory APR for 12 months from account opening. |
| Ongoing | 11.99%–19.99% | None | Variable regular purchase APR of 11.99% to 19.99% based on creditworthiness, applied after the introductory period. |
Sources (1)
- fnb247.com/personal/banking/credit-card · captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.