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You chose to bank with us for a reason. Now you can enjoy the friendly service of the community bank you love with the power of Visa®. Our Rewards Visa credit card offers great rates, great rewards, and the great customer service you expect from us.

Talk to your banker today to apply for your 1st National Bank Rewards Visa — and start racking up those rewards.

  • Fixed rates of 10.99%-16.99% with qualified credit*
  • 0% introductory rate for 6 months with qualified credit*
  • Earn 1 point for each $1 spent on purchases**
  • Can redeem for:
    • Cash back
    • Travel
    • Merchandise
    • Statement credits
  • Accepted anywhere with a Visa logo
  • Free online access
  • Easily replaced if lost or stolen

Disclosure Agreement 


*The 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%-16.99% 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.

**Rewards 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