First National Bank of Omaha Credit Cards

We found 26 First National Bank of Omaha credit cards. Read on to get more insights.

3.47

By Hanna Volkava

Updated April 01, 2024

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First National Bank of Omaha AmTrust 2% Cash Back Visa Signature®

Annual fee:

Regular APR:

26.74% - 29.99% Variable

Our Rating:

3.58

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 2% Cash Back on all purchases.
Balance Transfer APR:
26.74% - 29.99% Variable

Issuer name:
First National Bank of Omaha
Details:
The AmTrust 2% Cash Back Visa Signature® Credit Card is a cash back rewards card that earns 2% back on all purchases.
The Card doesn't charge an annual fee. The APR for purchases and balance transfers is 26.74% - 29.99% Variable.

Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee
- High APR
- No Intro APR period

Benefits:
- 2% Cash Back on every purchase;
- Automatically redeem your rewards into your checking or savings account with ACH Deposit;
- Cash Back rewards earned are good for 3 years before they expire.

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Card detail

First National Bank of Omaha Mopar® DrivePlus Mastercard®

Annual fee:

Regular APR:

21.24% - 30.24% Variable

Our Rating:

3.96

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 5% Cash Back on purchases made at the dealership, including service, parts and accessories.
- 2% Cash Back on gas and travel purchases.
- 1% Cash Back on all other purchases.
Intro Offer:
- $1,000 Bonus certificate toward your next new FCA US LLC vehicle when you spend $7,500 in your first reward year.
- $100 Statement Credit when you spend $100 in dealership purchases in your first billing cycle after the account is opened.
Purchase Intro APR:
0% Introductory APR for the first 6 billing cycles from the transaction date
Balance Transfer APR:
21.24% - 30.24% Variable

Issuer name:
First National Bank of Omaha
Details:
The Mopar® DrivePlus Mastercard® Credit Card earns 5% Cash Back on purchases made at the dealership, including service, parts and accessories, 2% Cash Back on gas and travel purchases and 1% Cash Back on all other purchases.
Earn a $1,000 bonus certificate toward your next new FCA US LLC vehicle when you spend $7,500 in your first reward year.
Receive a $100 Statement Credit when you spend $100 in dealership purchases in your first billing cycle after the account is opened.
The Mopar® DrivePlus Mastercard® doesn't charge an annual fee.
The Card has a 0% introductory APR period for 6 billing cycles on purchases. After that, the variable APR is 21.24% - 30.24%.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- $1,000 bonus certificate toward your next new FCA US LLC vehicle when you spend $7,500 in your first reward year;
- $100 statement credit when you spend $100 in dealership purchases in your first billing cycle after the account is opened;
- 5% Cash Back on purchases made at the dealership, including service, parts and accessories;
- 2% Cash Back on gas and travel purchases;
- 1% Cash Back on all other purchases.

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Card detail

First National Bank of Omaha Secured Visa®

Annual fee:

Regular APR:

25.49% Variable

Our Rating:

2.33

Credit score

No Credit History to Poor (0-579)

Balance Transfer APR:
25.49% Variable

Issuer name:
First National Bank of Omaha
Details:
The FNBO Secured Visa® Credit Card has no annual fee.
The APR for purchases and balance transfers is 25.49% Variable.

Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee

Benefits:
- Card’s activity is reported to all three major credit bureaus;
- Qualify for a credit limit increase without an additional deposit;
- Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply.

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Card detail

First National Bank of Omaha SCHEELS Visa®

Annual fee:

Regular APR:

25.24% Variable

Our Rating:

3.98

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 3x Points per $1 on SCHEELS purchases.
- 1x Points on all other purchases.
Intro Offer:
- 1,500x Points after the first purchase made with your card outside of SCHEELS.
Purchase Intro APR:
0% Introductory APR for the first 7 billing cycles from the transaction date
Balance Transfer APR:
25.24% Variable

Issuer name:
First National Bank of Omaha
Details:
The FNBO SCHEELS Visa® Credit Card earns 1,500 points after the first purchase made with your card outside of SCHEELS. The Card offers 3x points per $1 on SCHEELS purchases and 1x points on all other purchases.
The SCHEELS Visa® Card doesn't charge an annual fee.
The Card has a 0% introductory APR period for 7 billing cycles on purchases. After that, the variable APR is 25.24%.

Pros:
- Intro APR period
- No Annual Fee
Cons:
- Foreign Transaction Fee

Benefits:
- 1,500 points after the first purchase made with your card outside of SCHEELS;
- 3x points per $1 on SCHEELS purchases;
- 1x points on all other purchases;
- $25 gift cards automatically awarded for every 2,500 points you earn.

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Card detail

First National Bank of Omaha Best Western Rewards® Premium Mastercard®

FNBO Best Western Rewards® Premium Mastercard®

Annual fee:

$89 annually

Regular APR:

23.24% - 29.74% Variable

Our Rating:

3.37

Credit score

Good (670-739)

Rewards Rate:
- 40,000x Points when you spend $5,000 every 12 billing cycles.
- 20x Points per $1 spent on Best Western purchases.
- 2x Points per $1 spent on all other purchases.
Intro Offer:
- 80,000x Points when you spend $3,000 in the first 3 billing cycles after the account is opened.
Balance Transfer APR:
23.24% - 29.74% Variable

Issuer name:
First National Bank of Omaha
Details:
The FNBO Best Western Rewards® Premium Mastercard® Credit Card earns 80,000 points when you spend $3,000 in the first 3 billing cycles after the account is opened. The Card earns 40,000 points when you spend $5,000 every 12 billing cycles.
The Best Western Rewards® Premium Mastercard® offers 20x points on Best Western purchases and 2x points on all other purchases.
The APR for purchases and balance transfers is 23.24% - 29.74% Variable. The Card comes with an annual fee of $89.

Pros:
- No Foreign Transaction Fee
Cons:
- Annual Fee
- No Intro APR period

Benefits:
- 80,000 points when you spend $3,000 in the first 3 billing cycles after the account is opened;
- 40,000 points when you spend $5,000 every 12 billing cycles;
- 20x points per $1 spent on Best Western purchases;
- 2x points per $1 spent on all other purchases;
- Automatic Gold Status;
- Early Check-In & Late Check-Out;
- Exclusive Reservation Line;
- No Blackout Dates;
- No Foreign Transaction Fee;
- Free FICO® Score;
- Points Don't Expire.

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Card detail

First National Bank of Omaha FIAT® DrivePlus Mastercard®

Annual fee:

Regular APR:

21.24% - 30.24% Variable

Our Rating:

3.96

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 5% Back on FCA US purchases.
- 2% Back on gas and travel purchases.
- 1% Back on all other purchases.
Intro Offer:
- $1,000 Bonus Certificate toward your next new FCA US vehicle when you spend $7,500 in your first year.
- $100 Back as a $100 statement credit when you spend $100 in FCA US purchases in your first billing cycle after the account is opened.
Purchase Intro APR:
0% Intro APR for 6 billing cycles every time you use your FCA DrivePlus℠ Mastercard® for FCA US dealership purchases of $499 or more
Balance Transfer APR:
21.24% - 30.24% Variable

Issuer name:
First National Bank of Omaha
Details:
The FIAT® DrivePlus Mastercard® Credit Card offers 5% Back on FCA US purchases, 2% Back on gas and travel purchases and 1% Back on all other purchases.
Earn a $1,000 Bonus Certificate toward your next new FCA US vehicle when you spend $7,500 in your first year. Plus, the Card offers a $100 Back as a statement credit when you spend $100 in FCA US purchases in your first billing cycle after the account is opened.
The FIAT® DrivePlus Mastercard® doesn't charge an annual fee. The Card offers a 0% Intro APR period on purchases for the first 6 billing cycles, 21.24% - 30.24% Variable after that.

Pros:
- No Annual Fee
- Intro Purchase APR
Cons:
- Foreign Transaction Fee

Benefits:
- $1,000 Bonus Certificate;
- $100 Cash Back;
- 5% Back on FCA US purchases;
- 2% Back on gas and travel purchases;
- 1% Back on all other purchases;
- Zero Liability Protection.

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Card detail

First National Bank of Omaha Secured Mastercard®

Annual fee:

$35 annually

Regular APR:

29.24% Variable

Our Rating:

1.64

Credit score

No Credit History to Poor (0-579)

Balance Transfer APR:
29.24% Variable

Issuer name:
First National Bank of Omaha
Details:
The First Bank Secured Mastercard® Credit Card is a credit builder card.
The Card's annual fee is $35. The APR for purchases and balance transfers is 29.24% (Variable).

Pros:
- Improve your credit rating
Cons:
- Annual Fee
- Foreign Transaction Fee
- High APR
- No Intro APR period

Benefits:
- Fraud protection;
- Free access to your FICO® Score.

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Card detail

First National Bank of Omaha Business Edition® Mastercard® with Reward Simplicity

FNBO First Bank Business Edition® Mastercard® with Reward Simplicity

Annual fee:

Regular APR:

20.49% - 29.99% Variable

Our Rating:

3.49

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 1.5% Cash Back on every purchase.
Intro Offer:
- $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.
Purchase Intro APR:
0% Introductory APR for the first 6 billing cycles
Balance Transfer APR:
20.49% - 29.99% Variable

Issuer name:
First National Bank of Omaha
Details:
The First Bank Business Edition® Mastercard® with Reward Simplicity earns 1.5% Cash Back on all purchases. Plus, earn a $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.
The First Bank Business Edition® Mastercard® with Reward Simplicity doesn't charge an annual fee.
The Card has a 0% Intro APR period on purchases and balance transfers for the first 6 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate between 20.49% and 29.99% APR depending on your credit worthiness.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- 1.5% Cash Back on every purchase;
- $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles.

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Card detail

First National Bank of Omaha Business Edition® Secured Mastercard®

FNBO First Bank Business Edition® Secured Mastercard®

Annual fee:

$39 annually

Regular APR:

29.24% Variable

Our Rating:

1.64

Credit score

No Credit History to Poor (0-579)

Balance Transfer APR:
29.24% Variable

Issuer name:
First National Bank of Omaha
Details:
The First Bank Business Edition® Secured Mastercard® Credit Card is a credit builder card.
The Business Edition® Secured Mastercard® requires a security deposit of at least $2,200 to open a Business Edition® Secured Mastercard® account.
The Card's annual fee is $39. The APR for purchases and balance transfers is 29.24% (Variable).

Pros:
- $100,000 maximum credit limit
Cons:
- Annual Fee
- No Intro APR period
- High APR
- Foreign Transaction Fee

Benefits:
- Request your own credit limit;
- Reward yourself with interest earned on your security deposit.

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Card detail

First National Bank of Omaha Ducks Unlimited Visa®

Annual fee:

Regular APR:

22.24% Variable

Our Rating:

3.34

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 1.5% Cash Back on all purchases.
Balance Transfer APR:
22.24% Variable

Issuer name:
First National Bank of Omaha
Details:
The FNBO Ducks Unlimited Visa® Credit Card earns 1.5% Cash Back on all purchases. A portion of every purchase goes towards wetlands conservation efforts.
The Ducks Unlimited Visa® doesn't charge an annual fee. The APR for purchases and balance transfers is 22.24% (Variable).

Pros:
- No Annual Fee
Cons:
- High APR
- Foreign Transaction Fee
- No welcome bonus
- No Intro APR period

Benefits:
- 1.5% Cash Back on all purchases;
- Wetland Protection.

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Card detail

How to Choose the Right First National Bank of Omaha Credit Card?

Choosing the best credit card from a specific credit card issuer is quite challenging. Considering First National Bank of Omaha, the three following steps can help you.

First of all, you need to check your current credit score. It will be from "Poor” to “Excellent”, and the higher your score is, the better First National Bank of Omaha credit card offers and terms are available to you.

Secondly, you should decide on why you need a First National Bank of Omaha credit card and determine the most important features your future credit card must have. If you search for a credit card to increase your credit, look for the ones with extended grace period and no annual fee. If you want to not spend money on interest, First National Bank of Omaha credit cards with the lowest interest and long intro offer are your best choice. In case you are looking for a credit card that will provide you cashback, check the rewards program the First National Bank of Omaha offers.

Finally, compare the First National Bank of Omaha credit cards you think are the best for you, but now considering all the features. In general, an ideal credit card has the following characteristics: near-zero interest rate, long grace period, no fees, high credit limit, and numerous rewards and sign-up bonuses. You can easily compare First National Bank of Omaha credit cards in the table below.

Side-by-Side Comparison of First National Bank of Omaha Credit Cards

Card Name	APR	Annual fee	Rewards	Intro offer
FordPass Rewards™ Visa® Signature	23.24% - 30.24% Variable	$0	10% Back in Points on Ford Service. That’s 5% Back in Points on Ford Dealership Purchases plus 5% Back in Points with FordPass™ Rewards. 5% Back in FordPass Rewards™ Points on Ford Dealership purchases. 3% Back in FordPass Rewards™ Points for each $1 spent on gas, auto insurance, tolls, parking and dining. 1% Back in FordPass Rewards™ Points on all other purchases.	$200 Statement credit every year after spending $6,000 in 12 consecutive billing cycles after account opening.
Ram DrivePlus Mastercard®	21.24% - 30.24% Variable	$0	5% Back on FCA US purchases. 2% Back on gas and travel purchases. 1% Back on all other purchases.	$1000 Bonus Certificate towards the purchase of your next FCA vehicle when you spend $7,500 in your first year.
Speedy Rewards® Mastercard®	29.99% Variable	$0	50x Points per $1 spent at Speedway. 10x Points per $1 spent elsewhere.	25,000x Bonus points when you spend at least $500 in the first 3 billing cycles.
JAL USA	23.24% Variable	$20	2,500x Miles when you spend $5,000 on purchases with the JAL USA CARD. 1x Mile per $2 spent on qualifying purchase (Basic Rewards).	15,000x Bonus miles after you spend $7,000 on purchases in the first 3 billing cycles from account opening. 10,000x Bonus miles after you spend $5,000 on purchases in the first 3 billing cycles from account opening.
ANA U.S.A. Visa®	23.24% Variable	$70	1x Mile per $1 spent on purchases (such as at restaurants and online stores).	5,000x Bonus miles for your first qualifying purchase.
Jeep® DrivePlus Mastercard®	21.24% - 30.24% Variable	$0	5% Back on FCA US purchases. 2% Back on gas and travel purchases. 1% Back on all other purchases.	$1000 Bonus Certificate toward your next new FCA US vehicle when you spend $7,500 in your first year. $100 Back as a $100 statement credit when you spend $100 in FCA US purchases in your first billing cycle after the account is opened.
Dodge DrivePlus Mastercard®	21.24% - 30.24% Variable	$0	5% Back on FCA US purchases. 2% Back on gas and travel purchases. 1% Back on all other purchases.	$1000 Bonus Certificate toward your next new FCA US vehicle when you spend $7,500 in your first year. $100 Back as a $100 statement credit when you spend $100 in FCA US purchases in your first billing cycle after the account is opened.
Chrysler DrivePlus Mastercard®	21.24% - 30.24% Variable	$0	5% Back on FCA US purchases. 2% Back on gas and travel purchases. 1% Back on all other purchases.	$1,000 Bonus Certificate toward your next new FCA US vehicle when you spend $7,500 in your first year. $100 Back as a $100 statement credit when you spend $100 in FCA US purchases in your first billing cycle after the account is opened.
BPme Rewards Visa Signature®	30.99%	$0	5% Cash Back on non-fuel purchases at BP and Amoco. 3% Cash Back on dining. 3% Cash Back on groceries.	26.3% Earn 30 cents off per gallon for every $100 spent at BP for the first 90 days from account opening.
China Airlines World Elite™ Mastercard® Blue	28.24% Variable	$0	1x Mile per $1 spent on China Airlines purchases. 1x Mile per $2 spent everywhere else.	2,500x Bonus miles after the first purchase made within the first 3 billing cycles.
China Airlines World Elite™ Mastercard® Gold	26.24% Variable	$59	2x Miles per $1 spent on China Airlines purchases. 1x Mile per $1 spent everywhere else.	7,500x Bonus miles after the first purchase made within the first 3 billing cycles.
Icelandair Mastercard®	28.24% Variable	$0	1x Point per $1 spent on Icelandair purchases. 0.5x Point per $1 spent everywhere else.	5,000x Points upon first purchase after account is opened.
NYCB Secured Visa®	29.49% Variable	$0	This card doesn't offer cash back, miles or points.	No current offer.
AmTrust 2% Cash Back Visa Signature®	26.74% - 29.99% Variable	$0	2% Cash Back on all purchases.	No current offer.
Maximum Rewards® World Mastercard®	23.74% - 29.74% Variable	$0	1.5% Cash Back on every purchase.	$30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.
Best Western Rewards® Mastercard®	28.24% - 29.74% Variable	$0	20,000x Points when you spend $5,000 every 12 billing cycles. 13x Points on Best Western purchases. 2x Points on all other purchases.	40,000x Points when you spend $1,000 in the first 3 billing cycles after the account is opened.
Icelandair Premium Mastercard®	26.24% Variable	$39	2x Points per $1 spent on Icelandair purchases. 1x Point per $1 spent everywhere else.	10,000x Points upon first purchase after account is opened.
Ducks Unlimited Visa®	22.24% Variable	$0	1.5% Cash Back on all purchases.	No current offer.
Business Edition® Secured Mastercard®	29.24% Variable	$39	This card doesn't offer cash back, miles or points.	No current offer.
Business Edition® Mastercard® with Reward Simplicity	20.49% - 29.99% Variable	$0	1.5% Cash Back on every purchase.	$30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.
Secured Mastercard®	29.24% Variable	$35	This card doesn't offer cash back, miles or points.	No current offer.
FIAT® DrivePlus Mastercard®	21.24% - 30.24% Variable	$0	5% Back on FCA US purchases. 2% Back on gas and travel purchases. 1% Back on all other purchases.	$1,000 Bonus Certificate toward your next new FCA US vehicle when you spend $7,500 in your first year. $100 Back as a $100 statement credit when you spend $100 in FCA US purchases in your first billing cycle after the account is opened.
Best Western Rewards® Premium Mastercard®	23.24% - 29.74% Variable	$89	40,000x Points when you spend $5,000 every 12 billing cycles. 20x Points per $1 spent on Best Western purchases. 2x Points per $1 spent on all other purchases.	80,000x Points when you spend $3,000 in the first 3 billing cycles after the account is opened.
SCHEELS Visa®	25.24% Variable	$0	3x Points per $1 on SCHEELS purchases. 1x Points on all other purchases.	1,500x Points after the first purchase made with your card outside of SCHEELS.
Secured Visa®	25.49% Variable	$0	This card doesn't offer cash back, miles or points.	No current offer.
Mopar® DrivePlus Mastercard®	21.24% - 30.24% Variable	$0	5% Cash Back on purchases made at the dealership, including service, parts and accessories. 2% Cash Back on gas and travel purchases. 1% Cash Back on all other purchases.	$1,000 Bonus certificate toward your next new FCA US LLC vehicle when you spend $7,500 in your first reward year. $100 Statement Credit when you spend $100 in dealership purchases in your first billing cycle after the account is opened.

Conclusion

First National Bank of Omaha provides a range of credit cards with various options, yet it’s important to find the best one for you.

Hanna Volkava

Financial and product expert

hv@myfin.us

First National Bank of Omaha Credit Cards

Best Credit Cards in April 2024

How to Choose the Right First National Bank of Omaha Credit Card?

Side-by-Side Comparison of First National Bank of Omaha Credit Cards

Conclusion

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