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First National Bank of Omaha Platinum Edition Visa Card

in Personal Credit Cards

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First National Bank of Omaha Platinum Edition Visa Card

Unaffiliated

in Personal Credit Cards

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4 users don't recommend
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Overview

Who is this credit card designed for?

First National Bank of Omaha Platinum Edition Visa Card is a credit card issued by First National Bank of Omaha, which is based in Omaha, NE. 

First National Bank of Omaha Platinum Edition Visa Card is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. First National Bank of Omaha is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

First National Bank of Omaha Platinum Edition Visa Card has a variable purchase APR that ranges from 11.49% up to 19.49%.

The card has a variable balance transfer APR that ranges from 11.49% up to 19.49%.

It also has a variable cash advance APR starting at 26.74%.

Is an introductory APR offer available?

Yes, First National Bank of Omaha Platinum Edition Visa Card offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

First National Bank of Omaha Platinum Edition Visa Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to First National Bank of Omaha Platinum Edition Visa Card:

  • There is no annual fee.
  • A late payment penalty of $37.
  • A returned payment fee of $35.
  • There is no overlimit fee
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

No, First National Bank of Omaha Platinum Edition Visa Card does not offer a rewards program.

Is a signup bonus offered?

Yes, First National Bank of Omaha Platinum Edition Visa Card offers card users a signup bonus worth up to $25.

Is an annual loyalty bonus offered?

First National Bank of Omaha Platinum Edition Visa Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 First National Bank of Omaha Platinum Edition Visa Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

Does First National Bank of Omaha Platinum Edition Visa Card report your account activity to credit bureaus?

First National Bank of Omaha Platinum Edition Visa Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period
21
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$37
Returned Payment Fee
$35
Minimum Interest Charge
$1.75
Foreign Currency Transaction Fee
3%
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
700 - 850
850 300 700
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Minimum Age
18
Co-signing Allowed
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • ID Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
Free FICO Score
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Flight Insurance
Signup Bonus
$25
Cash Advance APR
(Variable APR)
Starting at
26.74%
Purchases APR
(Variable APR)
11.49% - 19.49%
0% 29%
Balance Computation
average daily balance (including new purchases)
Balance Transfer APR
(Variable APR)
11.49% - 19.49%
8% 29%
Transfer Fee
5%
Transfer Fee Minimum
$10
Introductory Rate
0%
Intro APR period (months)
15

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1 total votes
Purchases APR
(Variable APR)
17.24% - 24.24% 0% 29% Variable APR
Balance Transfer APR
(Variable APR)
17.24% - 24.24% 8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 640 - 850 300 850