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Enjoy the shopping power of Visa® — plus local service from your hometown bank. Get your credit card today.

Key Features

  • 0% Introductory Rate1
  • Rewards Points
  • Online Account Access
  • Fixed rates of 10.99%-16.99% with qualified credit1
  • 0% introductory rate for 6 months with qualified credit1
  • Earn 1 point for each $1 spent on purchases2
  • Can redeem for:
    • Cash back
    • Travel
    • Merchandise
    • Statement credits
  • Accepted anywhere with a Visa logo
  • Free online access
  • Easily replaced if lost or stolen

1The zero percent introductory APR is based on credit worthiness and is valid for the first 6 months the account is open. It will revert to the standard APR assigned to your account at the end of the introductory period if you become more than 60 days late in paying your bill. The Purchase rate is 10.99-16.99 The Balance Transfer Rate is 10.99-14.99 Your Cash Advance rate is 19.99%. Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay the entire balance by the due date each month. How We Will Calculate Your Balance: we use a method called "average daily balance". See your account agreement for further information regarding how we calculate your balance. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Complete Terms and conditions found in your Card Holder Agreement.

2Rewards Program Rules: We will award one point for each dollar of net purchases (purchases minus returns/credits) charged to your account during each statement period. There is no limit to the number of points one can earn with a First National Bank of Henning, Ottertail and Battle Lake Visa card. Points will not be awarded to a cardmember for net purchases if your account is not open and current on the statement closing date. Points will not be awarded for cash advances. Points will be awarded to the primary cardholder and may be redeemed by an authorized cardmember on the account. Complete terms and conditions found on  Scorecard Rewards access will no longer be available for viewing or redeeming rewards points as of 9/30/2021. Customers will continue to earn rewards points by using their FNB credit card for qualifying transactions.


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