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First National Apply: Find Credit Cards for Good Credit Ratings. Featuring Rewards, Low Rates and No Annual Fees.

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Featured
BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.49% - 23.49% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%.


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 4
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days*0% Intro APR for 12 billing cycles on purchases13.49% - 23.49% (Variable)*
BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.49% - 23.49% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%.


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 1
Rewards: Travel
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*N/A*0% Intro APR for 12 billing cycles on purchases15.49% - 23.49% (Variable)*
BankAmericard® Credit Card

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days*N/A*11.49% - 21.49% (Variable)*
Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers.


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Airlines
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$89 - Waived first year0% for 12 months (on balance transfers made within 45 days of account opening)N/A*16.49%, 20.49% or 23.49% Variable
Barclaycard CashForward™ World MasterCard®

  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$00% for 15 months (on balance transfers made within 45 days of account opening)N/A*15.24%, 20.24% or 25.24% Variable
Barclaycard Ring™ MasterCard®

  • A low, variable APR on balance transfers and purchases
  • No Annual Fee
  • No balance transfer fees
  • No foreign transaction fees
  • Share in the community profits through our Giveback™ program
  • Vote on product changes and share your ideas in Barclaycard Ring's community
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0N/A*N/A*8.5% Variable
Blue Cash Everyday® Card from American Express

  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 12
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$00% for 12 months0% for 12 months13.49%-23.49% Variable
Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 3
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$950% for 12 months0% for 12 months13.49%-23.49% Variable
Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 26
Rewards: Airlines
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 intro annual fee for the first year, then $95NoneNone16.24%-25.24% Variable
Hilton HHonors™ Card from American Express

  • Earn 50,000 Hilton HHonors™ Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
  • Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
  • Terms and Conditions apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 3
Rewards: Hotels
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0N/A*N/A*15.74%-19.74% Variable
JetBlue Card

  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Airlines
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$00% introductory APR for First 12 billing cycles following each balance transfer that posts to account within 45 days of account openingN/A*12.49%, 20.49% or 25.49% Variable
JetBlue Plus Card

  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: Airlines
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$990% introductory APR for First 12 billing cycles following each balance transfer that posts to account within 45 days of account openingN/A*12.49%, 20.49% or 25.49% Variable
Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply. See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 6
Rewards: Airlines
Annual FeeBT Intro APR Purchase Intro APRRegular APR
Introductory annual fee of $0 for the first year, then $195.N/A*N/A*N/A
Simmons Bank Visa® Platinum Rewards

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.50% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: Travel
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0NoneN/A*9.50% (Variable)
Starwood Preferred Guest® Credit Card from American Express

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 4
Rewards: Hotels
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 introductory annual fee for the first year, then $95.NoneNone15.74%-19.74% Variable
If you have a good or excellent credit rating, you should compare options available to you similar to www.firstnational.com/apply. We recommend that you examine all rates, fees and rewards before applying. Most cards in this category also offer low or 0% introductory rates for purchases or balance transfers.
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