Personal Rewards Credit Card

A no-annual-fee card from First National Bank of Pennsylvania.

First National Bank of Pennsylvania · VISA

Annual fee: $0
Purchase APR: 16.99–24.99%variable

Your NAV

Try your own numbers

Spending

Monthly spend$2,500

Enter what you spend per category each month. Anything left blank counts as $0.

GroceryDiningGasTravelEverything else

Revolving balance$0

Spending we calculated on

Monthly$2,500

Annual$30,000

What this card would give you

Cashback	$300
Subtotal	$300

You'd earn $300 in value over the year.

What it would cost you

Annual fee	$0
Subtotal	$0

You'd pay $0 to hold the card.

Year 1 value$300

Ongoing / yr$300

Year 1 matches every year after: this card has no signup bonus or first-year fee waiver.

Net Annual Value$300

Net: an estimated $300 ahead over the year at your profile.

Earn Rules

All Other

1.00%

Temporary earning

Limited-time promos or rotating categories. Excluded from Net Annual Value because these expire.

All Other

2.00%intro

Signup Bonus

Earn double points on purchases for the first 90 days from account opening.

· Spend $0 in 3 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.

Where This Came From

Annual fee“$0”
Source ↗
APR range“16.99%”
Source ↗
Intro APR“0%”
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Wondering if this card pays off for your situation? Is the Personal Rewards Credit Card worth it? →

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