First National Bank of Omaha (FNBO) Credit Cards

First National Bank of Omaha (FNBO) offers a diverse portfolio of credit cards catering to various credit profiles, from bad to excellent credit. Their cards include options for cash back, travel rewards, low interest rates, and credit building.

Overview of FNBO Credit Cards

FNBO issues cards on both the Visa and Mastercard networks, including popular consumer cards and co-branded options with retailers and travel partners.

Cards for Good to Excellent Credit (Typically 700+ FICO)

These cards focus on generous rewards programs, 0% intro APR offers, and low fees.

• Evergreen^® Credit Card: Earns unlimited 2% cash back on every purchase with no annual fee and a potential cash bonus after initial spending.
• Getaway Credit Card: Earns 3x points per dollar on travel, dining, and gas. It offers a 0% introductory APR on purchases and balance transfers for the first 12 months, and no foreign transaction fees.
• Low Interest (SmartRate^℠): Designed for consumers who may carry a balance, focusing on a low variable APR rather than rewards.

Cards for Building/Rebuilding Credit (Bad/Limited History)

FNBO also provides specific options for individuals with bad or limited credit history, although the general approval odds for most of their portfolio are higher.

• Rewards Secured Visa^® Card:
  • Requires a refundable security deposit between $300 and $5,000, which becomes your credit limit.
  • Has a $0 annual fee and reports to all three major credit bureaus to help build credit.
  • It is considered the easiest FNBO card to get approved for and even offers rewards (1 point per $1 spent).
• Legacy Visa^® Credit Card:
  • An unsecured card available primarily through mail offers, aimed at those with less-than-perfect credit.
  • Terms, including annual and processing fees, vary significantly by the specific offer received in the mail.
  • Reports account activity to the major credit bureaus, helping users build a positive history.

Key Considerations When Choosing an FNBO Card

• Credit Score Matters: Your credit score will significantly influence which card you qualify for. Most of their mainstream rewards cards require good to excellent credit, while the secured and Legacy options are available for those with lower scores.
• Pre-qualification: FNBO offers a pre-qualification tool for some cards, allowing you to see potential offers with only a soft credit inquiry, which does not affect your FICO^® score.
• FICO^® Score Access: Many FNBO cards provide free access to your FICO^® credit score, a valuable tool for monitoring your rebuilding progress.