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  First National Bank of Omaha Platinum Edition Visa Card

First National Bank of Omaha Platinum Edition Visa Card

in Personal Credit Cards from First National Bank of Omaha

Unaffiliated

First National Bank of Omaha Platinum Edition Visa Card

Unaffiliated

in Personal Credit Cards from First National Bank of Omaha

SuperMoney Net Recommendation Score -63

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -63, equating to 1.7 on a 5 point rating scale.

-63

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

1 user recommends
1 user is unsure
6 users don't recommend
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Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 12.24% - 20.24%
Balance Transfer APR  (Variable APR) 12.24% - 20.24%
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 8

First National Bank of Omaha Platinum Edition Visa Card Review

This is a credit card issued by First National Bank of Omaha. If you're wondering whether First National Bank of Omaha credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of $25 if you spend $1 within 3 months.
  • Competitive APRs. First National Bank of Omaha Platinum Edition Visa Card has a variable purchase APR that ranges from 12.24% up to 20.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. First National Bank of Omaha Platinum Edition Visa Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. First National Bank of Omaha is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of First National Bank of Omaha credit card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Trip cancellation insurance.
  • First National Bank of Omaha Platinum Edition Visa Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 5% balance transfer fee.
First National Bank of Omaha credit card FAQ

Does First National Bank of Omaha credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the First National Bank of Omaha credit card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for First National Bank of Omaha credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.24% up to 20.24%. The card has a variable balance transfer APR that ranges from 12.24% up to 20.24%. It also has a variable cash advance APR of 25.24% .

Does First National Bank of Omaha credit card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.

First National Bank of Omaha Platinum Edition Visa Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 12.24% - 20.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

Does First National Bank of Omaha credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for First National Bank of Omaha credit card?

The following fees apply:

  • There is no overlimit fee
First National Bank of Omaha credit card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does First National Bank of Omaha credit card have a foreign transaction fee?

First National Bank of Omaha credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for First National Bank of Omaha credit card?

The First National Bank of Omaha credit card customer service number is (415) 908-2200.

What is the support contact email for First National Bank of Omaha credit card?

The support contact email for First National Bank of Omaha credit card is firstnational@fnbo.com.

How do people rate the customer service and user experience of First National Bank of Omaha credit card?

Overall, First National Bank of Omaha credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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

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

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for First National Bank of Omaha credit card

  • Visit the First National Bank of Omaha credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by First National Bank of Omaha

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View all personal credit cards offered by First National Bank of Omaha

Availability

  Available in 50 states and Washington, D.C.
  • 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

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.75
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Trip Cancellation Insurance
Signup Bonus Starting at $25
Rewards Type No Rewards
Cash Advance APR (Variable APR) 25.24%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 12.24% - 20.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 12.24% - 20.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Balance Transfer
  • Bonus Offers
Card Network Visa

First National Bank of Omaha Platinum Edition Visa Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -63, equating to 1.7 on a 5 point rating scale.

-63

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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