FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card
  • No Annual Fee
  • Fair Credit
  • Enjoy coverage from Visa®.
    *See Card Terms

Indigo® Mastercard® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit
  • Get the credit limit you deserve—$1,000 guaranteed if approved
    Rates & Fees

Milestone® Mastercard®

Destiny Mastercard
  • $700 Credit Limit
  • No security deposit
  • Less than perfect credit is ok
    Rates & Fees

FirstNationalCC.com | Legacy Visa Credit Card

FirstNationalCC.com is the website for First National Bank of Omaha (FNBO®) credit cards. It is primarily used for managing existing credit card accounts, accepting pre-approved mail offers, and providing information about their credit card products.

FNBO offers a range of credit cards, but they are mostly targeted towards individuals with good to excellent credit.

Key Points About FirstNationalCC.com

  • Issuer: All cards accessed or managed via FirstNationalCC.com are issued by First National Bank of Omaha (FNBO®), pursuant to licenses from Visa U.S.A., Inc. or Mastercard International Incorporated.

  • Target Audience: Most FNBO credit card offers have approval odds that are best for people with good credit scores (700+), an annual income of over $40,000, and steady employment. They do not typically market to the very low credit score (300-500) audience that you are focusing on.

  • Main Products: Their consumer cards include options like the FNB SmartCash Credit Card (cash back rewards), FNB SmartRate Credit Card (low interest rate), and the FNB SmartSecured Credit Card (a secured option, but still requires credit approval).

  • Legacy Visa: One specific product associated with the site for credit building is the Legacy Visa® Credit Card, which is an unsecured card aimed at those with less-than-perfect credit who have received a mail offer.

  • Functionality: The website allows users to register their account, make payments, view transactions, and enroll in services like the "PREMIUM Club" for discounts.

  • The Legacy Visa® Credit Card is an unsecured credit card issued by First National Bank of Omaha (FNBO) designed for individuals with less-than-perfect or bad credit history who are looking to rebuild their credit. It is available primarily through targeted mail offers and is managed via the FirstNationalCC.com website.

    Key Features and Details

  • Unsecured: The card does not require an upfront security deposit to get started.

  • Approval Odds: "Perfect credit not required" for approval, making it accessible to those with past credit challenges.

  • Credit Building: FNBO reports all payment activity to all three major credit bureaus (Experian, Equifax, TransUnion), allowing users to build a positive credit history with responsible use.

  • Credit Limit Increases: The account is automatically reviewed for credit limit increases in as little as six months of on-time payments and low debt.

  • Fees and APR: Specific annual fees and processing fees vary depending on the exact offer received in the mail.

    • Annual Fee: Varies by offer.

    • Interest Rate (APR): A variable APR applies if the balance is not paid in full each month.

  • Zero Fraud Liability: Offers protection against unauthorized charges.

  • Who is the Legacy Visa For?

    This card is for individuals who have received a specific mail offer from FNBO and are trying to rebuild their credit. It offers a path to an unsecured credit line without the need for a security deposit, but typically comes with fees that are charged upon account opening.







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    Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score


    * See the online firstnationalcc.com (www.firstnationalcc.com) credit card application for details about terms and conditions and offers.

    FICO Credit Scores

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    What is a Credit Score?

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    Credit Score Facts

    1. Credit Scores range from 300-850, the higher the better.
    2. Most lenders base approval on your credit score.
    3. Higher Scores mean lower payments and better deals.
    4. Higher Scores mean Lower interest rates.
    5. Scores are determined by 5 main categories:
      • Payment History
      • Amounts Owed
      • Length of Credit History
      • Type of Credit Used
      • New Credit

    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.

    Advertiser Disclosure:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

    About Our Offers:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.