USES

FordPass Rewards™ Visa® Signature from First National Bank of Omaha Review

FordPass Rewards™ Visa® Signature from First National Bank of Omaha — all information about the credit card.

Updated December 11, 2023
Advertiser Disclosure Our Methodology
FNBO FordPass Rewards™ Visa® Signature
Apply now
Our Rating:
3.18 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • $200 Statement credit every year after spending $6,000 in 12 consecutive billing cycles after account opening.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 6 billing cycles from the transaction date
  • Regular APR:
    23.24% - 30.24% Variable
  • Balance Transfer APR:
    23.24% - 30.24% Variable
Show more

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First National Bank of Omaha FordPass Rewards™ Visa® Signature Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
10X
Ford Dealership
$
3X
Gas
$
3X
Dining
$
3X
Parking
$
Have you already recieved the First National Bank of Omaha intro bonus?
How would you like to redeem points?
Calculate
Your Results
Yearly earnings
$1140
Annual fee
$0
Yes, First National Bank of Omaha FordPass Rewards™ Visa® Signature credit card is worth its annual fee!
How to maximize your First National Bank of Omaha FordPass Rewards™ Visa® Signature rewards?

You can boost your total rewards by getting First National Bank of Omaha welcome bonus. To do that spend more on all purchases. To maximize all other rewards follow the tips below:

  • Spend more on Ford Dealership
  • Redeem most of your points for Purchases in Ford Dealerships such as Ford vehicles, services, and parts
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with First National Bank of Omaha FordPass Rewards™ Visa® Signature.

Your net profit in the first year
$1,140
cup of coffee x422
Show less details
You will receive 22,800 points in the first year (equivalent to $1,140)
Where you get the most profit
  • Ford Dealership
  • Gas
  • Dining
  • Parking
Ford Dealership
$600
Gas
$180
Dining
$180
Parking
$180
Total
$1,140
Annual fee
$0
Net yearly credit card profit
$1,140

All benefits

  • Points
    • 10x Points for every $1 dollar spent on Ford Dealership purchases, which equals to 5% back in FordPass Rewards™ Points.
    • 6x Points for every $1 dollar spent on dining, gas, auto insurance, tolls and parking, which equals to 3% back in FordPass Rewards™ Points.
    • 2x Points for every $1 dollar spent on all other purchases, which equals to 1% back in FordPass Rewards™ Points.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 6 billing cycles from the transaction date
  • Purchase APR
    • 23.24% - 30.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 23.24% - 30.24% Variable
  • APR for Cash Advances
    • 30.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 21 days after the close of each billing cycle. You won't be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $35
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No annual fee
  • 0% Purchase Intro APR for 6 billing cycles on Ford Dealership purchases over $499
  • Good rewards rate for the Ford customers
  • You can earn up to $200 as a statement credit
Cons:
  • Foreign Transaction Fee (3% of each transaction in U.S. dollars)
  • Purchase APR is slightly higher compared to other cards

Features

Classic
Visa
  • 0% Intro APR
  • No Annual Fee
  • Fraud Protection
  • Rewards
  • Bonus points
  • Purchase Protection
  • Good Credit
  • Excellent Credit

About the issuer

First National Bank of Omaha
First National Bank of Omaha has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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First National Bank of Omaha FordPass Rewards™ Visa® Signature is an option for those, who need Classic features. With an APR of 23.24% - 30.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With First National Bank of Omaha FordPass Rewards™ Visa® Signature you will get such features as 0% Intro APR, No Annual Fee, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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