| APR for purchases | — | |
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| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | $95, $95 yearly fee – waived in year oneThe First National Bank in Sioux Falls · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Transaction fees |
| Cash advance | — | |
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| Penalty fees |
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| Returned payment | — | |
| Opening conditions | All credit cards are subject to credit approval. Ask for details.The First National Bank in Sioux Falls · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Cash back | 1% cash back. Payment timing is not disclosed.
2% cash back on gasoline and 1% cash back on all other purchases² The First National Bank in Sioux Falls · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Cashback qualificationsCash back | We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.The First National Bank in Sioux Falls · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Cash back · Gasoline | 2% cash back. Payment timing is not disclosed.
2% cash back on gasoline and 1% cash back on all other purchases² The First National Bank in Sioux Falls · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Cashback qualificationsCash back · Gasoline | We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.The First National Bank in Sioux Falls · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Cash back · Travel (airfare, hotel, car rental) and dining | 3% cash back. Payment timing is not disclosed.
3% cash back on travel and dining² The First National Bank in Sioux Falls · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Cashback qualificationsCash back · Travel (airfare, hotel, car rental) and dining | We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.The First National Bank in Sioux Falls · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
