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Credit Cards

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Safe, Smart, Secure

Whether you want a credit card that protects you from fraud, lets you earn cash back, or lowers your interest rate, First Dakota National Bank has the card that not only meets your standards, but exceeds them. Our personal credit cards offer premium Mastercard® benefits, empowering you, the buyer, in all of life's purchases. With an established line of credit, you have the means to borrow successfully through safe and secure means.  

With our convenient services, you can pay your bill online and take advantage of special offers. Explore our available credit cards today!

Access your credit card account

Credit Card Options

 Receive a one-time sign-on bonus once you spend $3,000 in the first 3 months** along with rewards for travel and everyday expenses!

Benefits:

  • No annual fee Terms and Conditions
  • Earn 2% cash back on travel and dining purchases and 1% cash back for every other $1 spent***
  • Get cash back with no limits on the amount you can earn or expiration dates*

Enjoy a one-time sign-on bonus once you spend $1,000 on purchases within the first 3 months**. 

Benefits:

  • No annual fee Terms and Conditions
  • Earn 1% cash back for every $1 spent*
  • Redeem cash back with no limit to the amount you can earn*

Receive a 0.00% Introductory APR (annual percentage rate) on balance transfers and purchases for the first 6 months. After that, the variable APR will be Prime + 5.74% to Prime + 13.74% APR based on creditworthiness. Read more about our lowest APR card in the Terms and Conditions.

A balance transfer fee of $10 or 3% of the amount, whichever is greater, will apply every time you transfer funds to another card.  

Benefits:

  • Carry a balance each month and enjoy a low monthly payment
  • Consolidate and pay off debt faster
  • Shop more securely than with cash

Please note: Credit Cards are not insured by the FDIC or any other bank insurance and are not deposits or obligations of the bank.

Subject to credit approval. Ask for details.

Mastercard® is a registered trademark of Mastercard International Incorporated.

*For details on the Rewards Program, please visit https://firstdakota.myapexcard.com/#p=application/rewardsTerms [firstdakota.myapexcard.com]. Rewards options are subject to change without notice.

**Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. 

***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% 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.