SuperMoney 
  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 -57% 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
5 users don't recommend
Cast your vote
Cast your vote

Would you recommend First National Bank of Omaha Platinum Edition Visa Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating Strongly not recommended
Balance Transfer APR  (Variable APR) 11.49% - 19.49%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 11.49% - 19.49%
Number of Reviews 7

First National Bank of Omaha Platinum Edition Visa Card Review

First National Bank of Omaha Platinum Edition Visa Card is a credit card issued by First National Bank of Omaha.  If you're wondering whether First National Bank of Omaha Platinum Edition Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% 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.
  • Competitive APRs. First National Bank of Omaha Platinum Edition Visa Card has a variable purchase APR of up to 19.49%.
  • 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, purchase protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • First National Bank of Omaha Platinum Edition Visa Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel accident insurance.
  • 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.

Is there a First National Bank of Omaha Platinum Edition Visa Card cash back or rewards program?

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

What are the First National Bank of Omaha Platinum Edition Visa Card benefits?

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

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

What are the relevant APRs for First National Bank of Omaha Platinum Edition Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First National Bank of Omaha Platinum Edition Visa Card has lower than average purchase 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% .

Does First National Bank of Omaha Platinum Edition Visa Card have an introductory APR offer on balance transfers??

Yes, First National Bank of Omaha Platinum Edition Visa Card offers an introductory 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 APR 11.49% - 19.49%
Introductory Rate 0%
Intro APR period (months) 15

Does First National Bank of Omaha Platinum Edition Visa Card have an introductory APR offer on new purchases??

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

What are the First National Bank of Omaha Platinum Edition Visa Card fees?

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

  • There is no overlimit fee
First National Bank of Omaha Platinum Edition Visa Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $10
Returned Payment Fee $35
Late Payment Fee $37

Does First National Bank of Omaha Platinum Edition Visa Card have a foreign transaction fee?

First National Bank of Omaha Platinum Edition Visa 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 a foreign transaction fee.

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

How to apply for First National Bank of Omaha Platinum Edition Visa Card

  • Visit the First National Bank of Omaha Platinum Edition Visa 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.75
Returned Payment Fee $35
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Late Fee Amount $37
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
Card Type
  • Balance Transfer
  • Bonus Offers
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Flight Insurance  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
Free FICO Score  
Signup Bonus $25
Cash Advance APR (Variable APR) Starting at 26.74%
Purchase APR (Variable APR) 11.49% - 19.49%
Balance Computation average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 11.49% - 19.49%
Introductory Rate 0%
Intro APR period 15

First National Bank of Omaha Platinum Edition Visa Card Community Reviews

 

Would you recommend First National Bank of Omaha Platinum Edition Visa Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

Merrick Bank Double Your Line™ Platinum Visa® Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

2 Reviews

Deserve Classic Mastercard
Mostly recommended

6 Reviews

First National Bank of Omaha Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rakuten Rewards Mastercard

Rakuten Rewards Mastercard

Rating not yet determined

3 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR 17.24% - 24.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 17.24% - 24.24%
(Variable APR)
    0% 36% Variable APR
Blain's Farm and Fleet Mastercard

Blain's Farm and Fleet Mastercard

Be the first to rate

Balance Transfer APR 23.49% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 0% - 23.49%
(Variable APR)
    0% 36% Variable APR
Fiat DrivePlus Mastercard®

Fiat DrivePlus Mastercard®

Be the first to rate

Balance Transfer APR 16.24% - 27.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.24% - 27.24%
(Variable APR)
    0% 36% Variable APR
Chrysler DrivePlus Mastercard®

Chrysler DrivePlus Mastercard®

Be the first to rate

Balance Transfer APR 16.24% - 27.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR N/A Purchase APR
Mopar® DrivePlus Mastercard®

Mopar® DrivePlus Mastercard®

Be the first to rate

Balance Transfer APR 16.24% - 27.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.24% - 27.24%
(Variable APR)
    0% 36% Variable APR
Ram DrivePlus Mastercard®

Ram DrivePlus Mastercard®

Be the first to rate

Balance Transfer APR 16.24% - 27.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.24% - 27.24%
(Variable APR)
    0% 36% Variable APR
Dodge DrivePlus Mastercard®

Dodge DrivePlus Mastercard®

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.24% - 27.24%
(Variable APR)
    0% 36% Variable APR
Jeep DrivePlus Mastercard®

Jeep DrivePlus Mastercard®

Be the first to rate

Balance Transfer APR 16.24% - 27.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.24% - 27.24%
(Variable APR)
    0% 36% Variable APR