{"data":{"path":"first-national-bank-and-trust-company/cash-rewards-platinum-visa","artwork":null,"name":"Cash Rewards Platinum Visa","officialName":"Cash Rewards Platinum Visa","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"First National Bank & Trust Company","handle":"first-national-bank-and-trust-company"},"institution":{"name":"First National Bank & Trust Company","handle":"first-national-bank-and-trust-company"},"actualIssuerName":null,"standardOffer":{"id":"1128","offerKind":"standard","channel":null,"nameAsFiled":"Cash Rewards Platinum Visa","handle":null,"terms":{"productId":"2312","path":"first-national-bank-and-trust-company/cash-rewards-platinum-visa","name":"Cash Rewards Platinum Visa","officialName":"Cash Rewards Platinum Visa","aliases":[],"institutionId":"69166","institutionName":"First National Bank & Trust Company","institutionHandle":"first-national-bank-and-trust-company","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":["other"],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"6e7beab5092b031fd3f78bc7fe655916","pageNumber":null,"quote":"Cash Rewards Platinum Visa","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"b14373d4b566885f95608a42c53522fc","pageNumber":null,"quote":"® - Earn 1% cash back on all net purchases.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"e82f409bde8e9a2e4a7b08bbfa6ec332","pageNumber":null,"quote":"Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"net-purchases","benefitKind":"cashback_earnings","percentBps":100,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"® - Earn 1% cash back on all net purchases.","qualificationConditions":"Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.","qualificationConditionSources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"e82f409bde8e9a2e4a7b08bbfa6ec332","pageNumber":null,"quote":"Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"e7893153b3a5d1ef16a789709e47ac07","pageNumber":null,"quote":"Apply Now","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"application","linkKind":"application","url":"https://www.mycommunitycc.com/WCbTgZxtnr5k","label":"Apply Now"},{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"99e22187b90ea480b0a4ce9bcb68da0b","pageNumber":null,"quote":"apply here","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"application-direction","linkKind":"application","url":"https://www.mycommunitycc.com/WCbTgZxtnr5k","label":"apply here"},{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"41f92e3ffc101b10add8864c82d6b584","pageNumber":null,"quote":"cRewardsCard.com","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"rewards-account","linkKind":"rewards_program","url":"https://www.crewardscard.com/home","label":"cRewardsCard.com"}],"openingRequirements":[{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"065ce6ca3f00636119cbc4e82906b4a9","pageNumber":null,"quote":"*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"offer_requirement:credit-approval"}],"requirementKey":"credit-approval","routeType":"other","description":"*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval."}],"cardWithholdings":[{"observationKind":"offer_feature","fieldKey":"introduction","reason":"unparsed_value","detail":"Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits. Choose from three great options all from the bank you know best. ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"c5b0a68a22442dc8f1bb3f1b5f41cb0a","pageNumber":null,"quote":"Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits. Choose from three great options all from the bank you know best.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:introduction"}]},{"observationKind":"offer_feature","fieldKey":"all-options-features","reason":"unparsed_value","detail":"Enjoy the following features with all the above options:","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"6e1ba804b8e16de4ca9e224b41241524","pageNumber":null,"quote":"Enjoy the following features with all the above options:","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:all-options-features"}]},{"observationKind":"offer_feature","fieldKey":"fraud-monitoring","reason":"unparsed_value","detail":"Fraud Monitoring and Zero Fraud Liability ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"75ac5d9e1b7e4e549b6c0858ad063782","pageNumber":null,"quote":"Fraud Monitoring and Zero Fraud Liability","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:fraud-monitoring"}]},{"observationKind":"offer_feature","fieldKey":"mobile-payments","reason":"unparsed_value","detail":"Mobile Payments ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"55316c4a03de2e99fbfce3540d5dbe8f","pageNumber":null,"quote":"Mobile Payments","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:mobile-payments"}]},{"observationKind":"offer_feature","fieldKey":"account-alerts","reason":"unparsed_value","detail":"Account Alerts ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"22acaece44b46c65b652b2a0c0ec751e","pageNumber":null,"quote":"Account Alerts","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:account-alerts"}]},{"observationKind":"offer_feature","fieldKey":"cell-phone-protection","reason":"unparsed_value","detail":"Cell Phone Protection","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"52bf08f23462d04938ff8e9f326c845f","pageNumber":null,"quote":"Cell Phone Protection","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:cell-phone-protection"}]},{"observationKind":"offer_feature","fieldKey":"mobile-app-prefix","reason":"unparsed_value","detail":"M","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"3a4954f9e12b12fda566def8d01076e7","pageNumber":null,"quote":"M","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:mobile-app-prefix"}]},{"observationKind":"offer_feature","fieldKey":"mobile-app","reason":"unparsed_value","detail":"obile App ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"6eea7cf5347e09faee8486ef2b236f74","pageNumber":null,"quote":"obile App","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:mobile-app"}]},{"observationKind":"offer_feature","fieldKey":"account-management-alerts","reason":"unparsed_value","detail":"Account Alerts ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"067b82b8147f6fd1d8c2f40c19d46ec5","pageNumber":null,"quote":"Account Alerts","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:account-management-alerts"}]},{"observationKind":"offer_feature","fieldKey":"credit-score","reason":"unparsed_value","detail":"Free Credit Score","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"2a3be2f5bc4fa7c774f4e8d31ed018d3","pageNumber":null,"quote":"Free Credit Score","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:credit-score"}]},{"observationKind":"offer_feature","fieldKey":"online-account-management","reason":"unparsed_value","detail":"Online Account Management ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"95a4ddac387828ce4712e51267ce745e","pageNumber":null,"quote":"Online Account Management","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:online-account-management"}]},{"observationKind":"offer_feature","fieldKey":"travel-insurance-prefix","reason":"unparsed_value","detail":"T","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"03a655c02a0e8d731ca901a4bc6c7566","pageNumber":null,"quote":"T","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:travel-insurance-prefix"}]},{"observationKind":"offer_feature","fieldKey":"travel-insurance","reason":"unparsed_value","detail":"ravel Accident Insurance ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"21a22e4bd09c9b0966f31e5813eb9306","pageNumber":null,"quote":"ravel Accident Insurance","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:travel-insurance"}]},{"observationKind":"offer_feature","fieldKey":"emergency-cash","reason":"unparsed_value","detail":"Emergency Cash Disbursements ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"c9bd1f49845950b8a4a478e4a6a49500","pageNumber":null,"quote":"Emergency Cash Disbursements","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:emergency-cash"}]},{"observationKind":"offer_feature","fieldKey":"emergency-card","reason":"unparsed_value","detail":"Emergency Card Replacement ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"0a1e8f90bd14504b06afcf8be2a25864","pageNumber":null,"quote":"Emergency Card Replacement","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:emergency-card"}]},{"observationKind":"offer_feature","fieldKey":"customer-service","reason":"unparsed_value","detail":"Customer service representatives are located in the U.S. and are dedicated to providing you with personal service. Please call 800-883-0131 for credit card client service support.","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"098788fce591ec4f57ce3776a6427101","pageNumber":null,"quote":"Customer service representatives are located in the U.S. and are dedicated to providing you with personal service. Please call 800-883-0131 for credit card client service support.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:customer-service"}]},{"observationKind":"offer_feature","fieldKey":"credit-score-conditions","reason":"unparsed_value","detail":"FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"afa1a651191b3e579743907a5fa36795","pageNumber":null,"quote":"FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:credit-score-conditions"}]},{"observationKind":"offer_feature","fieldKey":"cell-phone-conditions","reason":"unparsed_value","detail":"Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"b0dfbe825fa2c1c5eb6bfbae065d094e","pageNumber":null,"quote":"Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:cell-phone-conditions"}]},{"observationKind":"offer_feature","fieldKey":"cell-phone-claim","reason":"unparsed_value","detail":"benefit or to file a claim visit the FAQ section at ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"59ab0995ba9990ff744dede64ef1860a","pageNumber":null,"quote":"benefit or to file a claim visit the FAQ section at","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:cell-phone-claim"}]},{"observationKind":"offer_feature","fieldKey":"cell-phone-contact","reason":"unparsed_value","detail":" or call 1-866-894-8569.","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"f2d7f4ed30a1f5881a88d2f439bc50ae","pageNumber":null,"quote":"or call 1-866-894-8569.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:cell-phone-contact"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"1128","offerKind":"standard","channel":null,"nameAsFiled":"Cash Rewards Platinum Visa","handle":null,"terms":{"productId":"2312","path":"first-national-bank-and-trust-company/cash-rewards-platinum-visa","name":"Cash Rewards Platinum Visa","officialName":"Cash Rewards Platinum Visa","aliases":[],"institutionId":"69166","institutionName":"First National Bank & Trust Company","institutionHandle":"first-national-bank-and-trust-company","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":["other"],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"6e7beab5092b031fd3f78bc7fe655916","pageNumber":null,"quote":"Cash Rewards Platinum Visa","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"b14373d4b566885f95608a42c53522fc","pageNumber":null,"quote":"® - Earn 1% cash back on all net purchases.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"e82f409bde8e9a2e4a7b08bbfa6ec332","pageNumber":null,"quote":"Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"net-purchases","benefitKind":"cashback_earnings","percentBps":100,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"® - Earn 1% cash back on all net purchases.","qualificationConditions":"Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.","qualificationConditionSources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"e82f409bde8e9a2e4a7b08bbfa6ec332","pageNumber":null,"quote":"Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"e7893153b3a5d1ef16a789709e47ac07","pageNumber":null,"quote":"Apply Now","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"application","linkKind":"application","url":"https://www.mycommunitycc.com/WCbTgZxtnr5k","label":"Apply Now"},{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"99e22187b90ea480b0a4ce9bcb68da0b","pageNumber":null,"quote":"apply here","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"application-direction","linkKind":"application","url":"https://www.mycommunitycc.com/WCbTgZxtnr5k","label":"apply here"},{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"41f92e3ffc101b10add8864c82d6b584","pageNumber":null,"quote":"cRewardsCard.com","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"rewards-account","linkKind":"rewards_program","url":"https://www.crewardscard.com/home","label":"cRewardsCard.com"}],"openingRequirements":[{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T22:41:25.373Z","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"065ce6ca3f00636119cbc4e82906b4a9","pageNumber":null,"quote":"*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"offer_requirement:credit-approval"}],"requirementKey":"credit-approval","routeType":"other","description":"*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval."}],"cardWithholdings":[{"observationKind":"offer_feature","fieldKey":"introduction","reason":"unparsed_value","detail":"Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits. Choose from three great options all from the bank you know best. ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"c5b0a68a22442dc8f1bb3f1b5f41cb0a","pageNumber":null,"quote":"Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits. Choose from three great options all from the bank you know best.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:introduction"}]},{"observationKind":"offer_feature","fieldKey":"all-options-features","reason":"unparsed_value","detail":"Enjoy the following features with all the above options:","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"6e1ba804b8e16de4ca9e224b41241524","pageNumber":null,"quote":"Enjoy the following features with all the above options:","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:all-options-features"}]},{"observationKind":"offer_feature","fieldKey":"fraud-monitoring","reason":"unparsed_value","detail":"Fraud Monitoring and Zero Fraud Liability ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"75ac5d9e1b7e4e549b6c0858ad063782","pageNumber":null,"quote":"Fraud Monitoring and Zero Fraud Liability","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:fraud-monitoring"}]},{"observationKind":"offer_feature","fieldKey":"mobile-payments","reason":"unparsed_value","detail":"Mobile Payments ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"55316c4a03de2e99fbfce3540d5dbe8f","pageNumber":null,"quote":"Mobile Payments","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:mobile-payments"}]},{"observationKind":"offer_feature","fieldKey":"account-alerts","reason":"unparsed_value","detail":"Account Alerts ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"22acaece44b46c65b652b2a0c0ec751e","pageNumber":null,"quote":"Account Alerts","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:account-alerts"}]},{"observationKind":"offer_feature","fieldKey":"cell-phone-protection","reason":"unparsed_value","detail":"Cell Phone Protection","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"52bf08f23462d04938ff8e9f326c845f","pageNumber":null,"quote":"Cell Phone Protection","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:cell-phone-protection"}]},{"observationKind":"offer_feature","fieldKey":"mobile-app-prefix","reason":"unparsed_value","detail":"M","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"3a4954f9e12b12fda566def8d01076e7","pageNumber":null,"quote":"M","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:mobile-app-prefix"}]},{"observationKind":"offer_feature","fieldKey":"mobile-app","reason":"unparsed_value","detail":"obile App ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"6eea7cf5347e09faee8486ef2b236f74","pageNumber":null,"quote":"obile App","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:mobile-app"}]},{"observationKind":"offer_feature","fieldKey":"account-management-alerts","reason":"unparsed_value","detail":"Account Alerts ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"067b82b8147f6fd1d8c2f40c19d46ec5","pageNumber":null,"quote":"Account Alerts","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:account-management-alerts"}]},{"observationKind":"offer_feature","fieldKey":"credit-score","reason":"unparsed_value","detail":"Free Credit Score","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"2a3be2f5bc4fa7c774f4e8d31ed018d3","pageNumber":null,"quote":"Free Credit Score","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:credit-score"}]},{"observationKind":"offer_feature","fieldKey":"online-account-management","reason":"unparsed_value","detail":"Online Account Management ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"95a4ddac387828ce4712e51267ce745e","pageNumber":null,"quote":"Online Account Management","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:online-account-management"}]},{"observationKind":"offer_feature","fieldKey":"travel-insurance-prefix","reason":"unparsed_value","detail":"T","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"03a655c02a0e8d731ca901a4bc6c7566","pageNumber":null,"quote":"T","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:travel-insurance-prefix"}]},{"observationKind":"offer_feature","fieldKey":"travel-insurance","reason":"unparsed_value","detail":"ravel Accident Insurance ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"21a22e4bd09c9b0966f31e5813eb9306","pageNumber":null,"quote":"ravel Accident Insurance","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:travel-insurance"}]},{"observationKind":"offer_feature","fieldKey":"emergency-cash","reason":"unparsed_value","detail":"Emergency Cash Disbursements ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"c9bd1f49845950b8a4a478e4a6a49500","pageNumber":null,"quote":"Emergency Cash Disbursements","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:emergency-cash"}]},{"observationKind":"offer_feature","fieldKey":"emergency-card","reason":"unparsed_value","detail":"Emergency Card Replacement ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"0a1e8f90bd14504b06afcf8be2a25864","pageNumber":null,"quote":"Emergency Card Replacement","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:emergency-card"}]},{"observationKind":"offer_feature","fieldKey":"customer-service","reason":"unparsed_value","detail":"Customer service representatives are located in the U.S. and are dedicated to providing you with personal service. Please call 800-883-0131 for credit card client service support.","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"098788fce591ec4f57ce3776a6427101","pageNumber":null,"quote":"Customer service representatives are located in the U.S. and are dedicated to providing you with personal service. Please call 800-883-0131 for credit card client service support.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:customer-service"}]},{"observationKind":"offer_feature","fieldKey":"credit-score-conditions","reason":"unparsed_value","detail":"FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"afa1a651191b3e579743907a5fa36795","pageNumber":null,"quote":"FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:credit-score-conditions"}]},{"observationKind":"offer_feature","fieldKey":"cell-phone-conditions","reason":"unparsed_value","detail":"Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"b0dfbe825fa2c1c5eb6bfbae065d094e","pageNumber":null,"quote":"Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:cell-phone-conditions"}]},{"observationKind":"offer_feature","fieldKey":"cell-phone-claim","reason":"unparsed_value","detail":"benefit or to file a claim visit the FAQ section at ","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"59ab0995ba9990ff744dede64ef1860a","pageNumber":null,"quote":"benefit or to file a claim visit the FAQ section at","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:cell-phone-claim"}]},{"observationKind":"offer_feature","fieldKey":"cell-phone-contact","reason":"unparsed_value","detail":" or call 1-866-894-8569.","sources":[{"snapshotId":"42410","sourceKind":"official_issuer","publisherName":"First National Bank & Trust Company","capturedAt":"2026-10-04T22:41:25.373Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firstnbtc.com/personal/loans-and-credit/credit-cards","passageId":"f2d7f4ed30a1f5881a88d2f439bc50ae","pageNumber":null,"quote":"or call 1-866-894-8569.","recordId":"official-issuer:page:url:d0fc44e64a26bcb1255bec23a2e10f17a25d5b5cf26dcd90dda6163a9aedc6dd","recordFields":[],"fieldKey":"withheld:offer_feature:cell-phone-contact"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}