How to Apply for First National Credit Card - Step by Step Guide

Do you know how to apply for First National Credit Card? Or want some important information about the First National Bank Credit Card application? Then, you are in the right place.

First National Bank has branches in Minnesota, Colorado, and South Dakota. The bank also offers two credit cards. You can only apply for a card if you receive an invitation. You can qualify for the rewards program depending on which card you qualify for.

In this article, we have mentioned all the possible ways and simple steps for the First National Bank Credit Card Online application. Let’s read the whole article and apply for your First National Credit Card instantly.

How to Complete a First National Credit Card Application Online

It is a very easiest and simple process to complete a First National Credit Card Application Online.

  • If you have received an offer in the mail, you need to first visit their website at
  • Next, click the green button in the middle of that page “Accept Online”.
  • On the next page, you need to enter your reservation number and your access code. You can find both in the middle of your offer letter.
  • Now, click on the “Continue” blue button.
  • Then, verify your mailing address and your personal information.
  • In the last stage, complete the acceptance form and follow the prompts to finish your application.

Other Ways to Apply for First National Credit Card

You can also complete your First National Credit Card application through the mail. Fill in the form and mail it to:

Legacy Visa
P.O. Box 5097
Sioux Falls, SD, 57117-5097

First National Credit Card Rewards Program

If you qualify, you can get the first national credit card with the rewards program. Their rewards program offers $1 in every $100 prize you purchase. Prizes are given in increments of $25 as a statement credit.

If you are not eligible for the rewards card you can enroll in their premium club for $4.95 per month. Premium clubs offer discounts on hotels, rental cars, and entertainment.

FNB Credit Card FAQs

What is the APR for an FNB credit card?

The APR for a credit card ranges from 16.65 percent to 29.9 percent.

What happens if I have financial difficulties?

If you have financial difficulties, you can contact the First National Bank immediately. You can register with their paid protection plan before you have any problems. For a small fee, FNB will provide payment assistance if you are unemployed or disabled.

Is there an annual fee?

Whether or not you have an annual fee depends on which card offers you receive. If there is a fee, it ranges from $39 to $75 per year.

Is there a late fee?

If your payment is received after the due date, you may be charged a late fee of up to $25.

Can I get a cash advance?

You can get a cash advance. Cash advances typically have a high APR of up to 29.9 percent and there is a transaction fee of 2 percent of the total cash advance.

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