1st National Bank of Muscatine


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 Credit Card

A Cash Back Credit Card with Personal Service!



No more calling an 800# and talking to someone in

another state, you can talk directly to us! We offer

a cash back credit card with no limit on the amount

you can earn. Pretty good, we think! 



Compare our credit card to others and then ... GET THE CARD.

  • Cash Back Rewards up to 1% on Platinum Visa Cards and .5% on Classic Visa Cards.

  • Local, Personal Service.

  • No Annual Fee.

  • Visa World-Wide Acceptance.

  • No Balance Transfer Fee.

  • Low Introductory Rate of 7.90% APR for 6 months.

  • Fixed Rate of 13.70% APR.

  • 24-Hour Internet Account Information Access.

  • ATM Access with Assigned Personal Identification Number (PIN).

  • Flexible Payment Options.

Easy  Access to your Credit Card Info


Online Account Access. Go to access your credit card info visit www.gotomycard.com. (Please note you will be leaving our site.)

  • View balance information, charges, payments and credits

  • Make payments to your First National Bank Visa Credit Card

  • Access your account information safely and securely

Telephone Automated Account Access ...call 800.442.4757.

  •   Card activation

  •   Card Account Inquiries

  •   Change/Reissue PIN

  •   Check Available Credit, Last Payment, and Balance

Customer Service - Please call the bank directly at 563.262.4218, if you have any questions about your account.  


To Request A Cardholder's Agreement - Please call the bank directly at 563.263.4221 or email us with your name, address, and phone number.



Report Lost or Stolen Cards

Please call the bank directly at 563.262.4218 during normal business hours; or the automated account access line anytime at 800.442.4757.

Frequently Asked Questions

  • How are Cash Back Rewards calculated? 

Based on the total amount of qualified net purchases (purchases less returns) made during an annual period from January 1 through December 31. 

For VISA Platinum accounts:  The accrued amount of Cash Back Rewards is calculated by multiplying the total qualified net purchase amount between $0 and $3,000 by 0.5% and any amount over $3,000 by 1%.

For VISA Classic accounts:  The accrued amount of Cash Back Rewards is calculated by multiplying the total qualified net purchase amount by 0.5%. 

  • How are Cash Back Rewards earned? 

With any qualifying purchase.  A qualified purchase is any signature based purchase, Internet purchase, phone or mail order purchase, or automatic bill payment made with a personal First National Bank of Muscatine credit card.  PIN based purchases, payments of card balances, balance transfers, cash advances, ATM transactions, convenience checks, or any fees charged by the bank will not earn credits toward Cash Back Rewards.

  •  How do I receive the Cash Back Rewards? 

The amount of the reward will be credited to your account in February of the year following accumulation.  Amounts totaling $5 or less will not be paid. 

  •  Is there a limit to the amount of Cash Back Rewards that I can earn?

 There is no cap.  The more you spend the more you earn.  Pretty awesome! 

  •  What is the coolest thing about the credit card besides Cash Back Rewards?

 Local, personal service.

  •  What is the rate of interest on the card? 

The introductory APR is a low 7.9% for the first 6 months of the credit card.  The APR moves to 13.7% thereafter.

  •  Where can I use the credit card?

The credit card offers VISA World-wide acceptance.

  • Will I be able to use the credit card when traveling?

Yes, but please call us when traveling out-of-state or out-of-country so we will know that your card may be used in an outside location.  You will be able to call the bank directly at 563.262.4218 or the automated account access line at  800.442.4757.

  •  Is ATM access available?

 Absolutely.  You can easily access an ATM with an assigned PIN (Personal Identification Number).

  •  How can I make payments?

You have loads of options!  You can pay by check (through the mail or by dropping off at any of our convenient locations); or you can set up an automatic monthly payment from any First National Bank checking or savings account for the full payment amount, minimum payment amount, or a fixed amount.   

  • Can I access my account information over the Internet?

Yes.  Go to our website at www.gotomycard.com.  When you visit this site for the first time you will have to enroll to access your account information.  You will be able to see last payment, next payment, payment due date, current balance, view transactions and view statements.
  •  How do I apply?

Please stop in or call the bank at 563.263.4221.




Visa Classic

Visa Platinum

Annual Percentage Rate

(APR) for Purchases


introductory APR

for 6 months.


After that your APR will be



introductory APR

for 6 months.


After that your APR will be


APR  for Balance Transfers


introductory APR

for 6 months.


After that your APR will be



introductory APR

for 6 months.


After that your APR will be


APR for Cash Advances



Minimum Finance Charge

If you are charged interest, the charge will be no less than $0.50.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the posting date.

For Credit Card Tips from Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinancial.gov/learnmore



Annual Fee

  • None

Transaction Fees

  • Balance Transfer - None           

  • Cash Advance - 2% of transaction amount; Min. $2.00; Max. $10.00

  • Foreign Transaction - 1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment - Up to $15.00           

  • Returned Payment - Up to $15.00

  • Over Limit - None

 How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."

[The information described above is accurate as of 02-03-2015 and may change after that date. To find out what may have changed, contact us at 1-800-442-4757 or First National Bank of Muscatine, P.O. Box 539, Muscatine, Iowa 52761.]

State laws require the following notices: California Residents: Married applicants may apply for separate credit. New York Residents: You may contact the New York State Banking Department at 1.877.226.5697 or by writing to the Research & Technical Assistance Division, One State Street, New York, NY 10004-1417 to obtain a comparative listing of all credit card rates, fees and grace periods. Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual request. The Ohio Civil Rights Commission administers compliance with this law. Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statues or court decree adversely affects the interest of the issuer, unless the issuer, prior to the time the credit is granted or an open-ended credit plan is entered into, is furnished a copy of agreement, or decree court order or has actual knowledge of the adverse provisions. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY. In addition, you must send us the name and address of your spouse within 15 days to First National Bank of Muscatine, P.O. Box 539, Muscatine, Iowa 52761.






300 E. 2nd St. | Muscatine, IA 52761 | ph 563-263-4221 | fax 563-262-4213

© 2009 First National Bank of Muscatine. All rights reserved.