Park National Bank Credit Cards

Serving Ohio and Northern Kentucky, Park National Bank has 100 active branches in Ohio alone and offers both personal and business credit cards. This issuer’s card products feature rewards programs with a focus on travel rewards and cash-back options, and low-rate options for all customer needs. Browse credit cards below.

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Park National Bank Visa® Platinum Card

Park National Bank Visa® Platinum Card
  • Regular Purchase APR 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 27.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good
  • Intro Purchase APR 0% for 24 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Introductory APR of 0% for the first 24 billing cycles
  • Extended warranty coverage and Zero Fraud Liability
  • Auto Rental Collision Damage Waiver coverage
Rates & Fees
  • Intro Purchase APR: 0% for 24 months from account opening date
  • Regular Purchase APR: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 24 months from account opening date
  • Balance Transfer APR: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 27.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
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Park National Bank Visa Signature® College Real Rewards Card

Park National Bank Visa Signature® College Real Rewards Card
  • Regular Purchase APR 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 27.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Poor
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 1.5 points for every eligible net $1 you spend
  • Earn unlimited points that do not expire for five years
  • Earn 2,500 bonus rewards points just for using your new card for the first time
  • Zero Fraud Liability
  • Enjoy 0% APR for the first six billing cycles on purchases and balance transfers
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 27.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
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Park National Bank Visa Business Cash Card

Park National Bank Visa Business Cash Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network N/A
Best Benefits
  • Earn 3% cash back on eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services
  • Earn 2% cash back on eligible restaurant and gas station net purchases
  • Earn 1% cash back on all other eligible net purchases
  • Enjoy 0% introductory APR for first six billing cycles on purchases and balance transfers
  • Earn unlimited cash back
  • Get $25 cash back bonus after making your first purchase
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Penalty APR: 28.99% variable based on the Prime Rate
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $39

Park National Bank Visa Business Real Rewards Card

Park National Bank Visa Business Real Rewards Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network N/A
Best Benefits
  • Earn 1.5 points for every eligible net $1 you spend
  • Earn unlimited points that do not expire for five years
  • 0% intro APR on purchases and balance transfers for the first 6 months after account opening
  • Free employee cards with individual credit limits
  • Earn 2,500 bonus rewards points after making your first purchase
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
  • Penalty APR: 28.99% variable based on the Prime Rate
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $39

Park National Bank Visa Signature® Real Rewards Card

Park National Bank Visa Signature® Real Rewards Card
  • Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network N/A
Best Benefits
  • Earn 1.5 points for every eligible net $1 spent
  • Earn unlimited points
  • Get a special bonus of 2,500 points after first purchase (redeemable for $25 cash back, merchandise, gift cards, or travel savings)
  • 0% introductory APR for purchases and balance transfers for first six billing cycles
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

Park National Bank Secured Visa® Card

Park National Bank Secured Visa® Card
  • Regular Purchase APR 20.99% variable based on the Prime Rate
  • Balance Transfer APR 20.99% variable based on the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee $35
  • Processing Network N/A
Best Benefits
  • Build or repair your credit
  • Earn interest on your secured savings account deposit
  • Credit limit up to $5,000
  • Cardholder protections including extended warranty, zero fraud liability, and auto rental collision damage waiver
Rates & Fees
  • Regular Purchase APR: 20.99% variable based on the Prime Rate
  • Balance Transfer APR: 20.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
  • Annual Fee: $35
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • Minimum Deposit Required: $300

Park National Bank Premier Rewards American Express® Card

Park National Bank Premier Rewards American Express® Card
  • Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None the first year. After that, $99
  • Processing Network N/A
Best Benefits
  • 4X points per $1 spent on eligible net restaurant purchases
  • 3X points per $1 spent on eligible airline purchases
  • 2X points per $1 spent on eligible net gas station purchases
  • 1X points per $1 spent on all other eligible net purchases
  • Spend $1,000 in the first 3 months and earn 10,000 bonus rewards points (worth $100 Cash Back)
  • Earn unlimited points
Rates & Fees
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: None the first year. After that, $99
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35

Park National Bank Cash Rewards American Express® Card

Park National Bank Cash Rewards American Express® Card
  • Regular Purchase APR 14.49% to 23.49% variable based on the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% variable based on the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network N/A
Best Benefits
  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations
  • 2% cash back on supermarket net purchases
  • 1% cash back on all other everyday net purchases
  • Unlimited cash back rewards
  • $25 cash back reward bonus after first purchase
  • 0% introductory APR on purchases and balance transfers for the first six months of account opening
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35

Park National Bank Visa Business Rewards PLUS Card

Park National Bank Visa Business Rewards PLUS Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $99
  • Processing Network N/A
Best Benefits
  • Earn 1.5 points for every eligible net $1 you spend
  • Earn 3 points for every $1 spent on purchases in the category you spend the most on
  • Earn unlimited points that will not expire for five years
  • Earn a bonus of 20,000 rewards points after you spend $2,000 in the first three months
  • Free employee cards with individual credit limits, points accrued by employee cards are accumulated to the business owner’s points total
  • No annual fee for the first year
Rates & Fees
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Penalty APR: 28.99% variable based on the Prime Rate
  • Annual Fee: $0 for the first year. After that, $99
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $39

About Park National Bank

Park National Bank is an Ohio-based bank and financial institution that serves three states: Ohio, North Carolina, and Kentucky. The bank’s history dates back over 100 years to Park National Bank of Newark of Newark, Ohio – the same city it still calls home some 112 years later.

Park National bank features many regional affiliates. These affiliates include:

  • Carolina Alliance Bank
  • Century National Bank
  • Fairfield National Bank
  • First-Knox National Bank
  • Richland Bank
  • Second National Bank
  • Security National Bank
  • United Bank
  • Unity National Bank

While Park National isn’t the largest bank in the United States, it is one of the largest banks in Southwestern Ohio, with over $8.7 billion in assets as of 2020. The bank is also listed on the New York Stock Exchange (NYSE) as PRK.

Branch Locations

Park National Bank currently operates approximately 100 branches in North Carolina, Ohio, and Northern Kentucky. Visit the bank’s website for a complete listing of Park National Bank locations.

FAQs About Park National Bank

Here are answers to common questions about Park National Bank:

  • Park National Bank’s customer service number is 1-888-474-7275
  • The routing number is 044101305

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