USES

JAL USA from First National Bank of Omaha Review

JAL USA from First National Bank of Omaha — all information about the credit card.

Updated December 11, 2023
Advertiser Disclosure Our Methodology
First National Bank of Omaha JAL USA
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Our Rating:
2.84 out of 5
scorer
Recommended credit score
Good (670-739)
  • Rewards Rate:
    • 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).
  • Intro Offer:
    • 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.
  • Annual Fee:
    $0 for the first year
    $20 thereafter
  • Purchase Intro APR:
    None
  • Regular APR:
    23.24% Variable
  • Balance Transfer APR:
    23.24% Variable
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First National Bank of Omaha JAL USA Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
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All purchases
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All benefits

  • Miles
    • 1x Per $1 spent on qualifying purchase (Premium Rewards).
    • 1x Per $2 spent on qualifying purchase (Basic Rewards).
  • Travel
    • 10% Sector bonus miles will be given every time the primary cardholder flies with JAL group.
    • 10% Discount on in-flight purchases on JAL/JAL Group International and Domestic flights.
    • 10% Savings on JAL International Wi-Fi Service.
    • 5% Savings on Duty Free Shopping at Narita Airport.
    • 5% Savings at "Blue Sky" Airport Shops in Japan.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 23.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 23.24% Variable
  • APR for Cash Advances
    • 30.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 21 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0 for the first year
      $20 thereafter
  • 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
  • Penalty Fees
    • None
  • Return Payment
    • Up to $35
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee for the first year
Cons:
  • No Intro APR period
  • Foreign Transaction Fee

Features

Classic
Mastercard
  • Rewards
  • Travel
  • Airline
  • Good 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 JAL USA is an option for those, who need Classic features. With an APR of 23.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good (670-739) credit score. With First National Bank of Omaha JAL USA you will get such features as Rewards, Travel, Airline, 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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