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.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.- 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).
- 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
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FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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