Bank · FDIC insured
First National Bank of Fort Smith Credit Card Rates
First National Bank of Fort Smith credit cards start at 13.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How First National Bank of Fort Smith’s credit card rates compare
Compared with banks and credit unions near Fort Smith, AR-OK, where First National Bank of Fort Smith has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First National Bank of Fort Smith
13.99%APR
- Up to
- 21.99% APR
Founder's Reserve Card
Lowest rate
River Town Federal Credit Union
10.90%APR
- Up to
- —
2nd-lowest rate
Arkansas Best FCU
11.50%APR
- Up to
- 18.25% APR
First National Bank of Fort Smith credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR13.99%
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 of Fort Smith 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.
Founder's Access Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 5.95% | None | Introductory rate for first 6 months. |
| Ongoing | 18.99%–22.99% | None | Fixed rate. |
Sources (1)
- fnbfs.com/personal-banking/credit-cards · captured Oct 7, 2026
Founder's Reserve Card
Minimum $75,000 annual household income.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.95% | None | Introductory rate for first 6 months. Minimum $75,000 annual household income. |
| Ongoing | 13.99%–21.99% | None | Fixed rate. Minimum $75,000 annual household income. |
Sources (1)
- fnbfs.com/personal-banking/credit-cards · captured Oct 7, 2026
Opening an account
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