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
Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good
Visa Processing Network
None Annual Fee

Park National Bank Visa® Platinum Card

  • 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 18 months from account opening date Intro Purchase APR

At a Glance

The Park National Bank Visa Platinum Card is a basic credit card issued by Park National Bank. Designed to help cardholders save money, it forgoes the bells and whistles of a rewards program in favor of a lengthy introductory APR period which, with proper planning, can be used to save plenty of money.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Introductory APR of 0% for the first 18 billing cycles
  • Extended warranty coverage and Zero Fraud Liability
  • Auto Rental Collision Damage Waiver coverage
  • Intro Purchase APR: 0% for 18 months from account opening date
  • Regular Purchase APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 18 months from account opening date
  • Balance Transfer APR: 19.24% to 29.24% 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: 29.99% 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
  • You’re planning a large purchase using a credit card and will pay down your balance without interest fees for 18 months
  • You have existing debt that you’d like to avoid paying interest on by transferring your balance to this credit card, and will budget to pay this debt off within 18 months
  • You want a card that does not charge an annual fee
  • You want the benefits and cardholder protections that accompany a Visa® credit card, such as Zero Fraud Liability

Park National Bank Visa Signature® College Real Rewards Card

Park National Bank Visa Signature® College Real Rewards Card
Poor
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor
Visa Processing Network
None Annual Fee

Park National Bank Visa Signature® College Real Rewards Card

  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The Park National Bank Visa Signature® College Real Rewards Card is a student credit card that stands out from its peers thanks to a rewards program that allows first-time cardholders to build their credit file while earning rewards that can be redeemed for a variety of enticing perks.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 19.74% to 29.74% 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: 29.99% 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
  • You’re looking for a way to establish your credit
  • You would like to earn attractive rewards while building a credit profile
  • You’re attending college or university, or have not yet used a credit card and would like a credit card that does not charge an annual fee
  • You want to earn rewards points for making everyday purchases
  • You would like a card that offers a special bonus just for making a purchase for the first time

Park National Bank Visa Business Cash Card

Park National Bank Visa Business Cash Card
No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

Park National Bank Visa Business Cash Card

  • 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

Park National Bank Visa Business Real Rewards Card

Park National Bank Visa Business Real Rewards Card
No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

Park National Bank Visa Business Real Rewards Card

  • 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

Park National Bank Visa Signature® Real Rewards Card

Park National Bank Visa Signature® Real Rewards Card
No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

Park National Bank Visa Signature® Real Rewards Card

  • 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 25.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

Park National Bank Secured Visa® Card

Park National Bank Secured Visa® Card
No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
$35 Annual Fee

Park National Bank Secured Visa® Card

  • 20.99% variable based on the Prime Rate Regular Purchase APR
  • 20.99% variable based on the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

Park National Bank Premier Rewards American Express® Card

Park National Bank Premier Rewards American Express® Card
No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
American Express Processing Network
None the first year. After that, $99 Annual Fee

Park National Bank Premier Rewards American Express® Card

  • 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

Park National Bank Cash Rewards American Express® Card

Park National Bank Cash Rewards American Express® Card
No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
American Express Processing Network
None Annual Fee

Park National Bank Cash Rewards American Express® Card

  • 14.49% to 23.49% variable based on the Prime Rate Regular Purchase APR
  • 14.49% to 23.49% variable based on the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

Park National Bank Visa Business Rewards PLUS Card

Park National Bank Visa Business Rewards PLUS Card
No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
$0 for the first year. After that, $99 Annual Fee

Park National Bank Visa Business Rewards PLUS Card

  • 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

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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