First National Bank of Omaha Maximum Rewards Visa is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.

Last Updated: 07/28/2025

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First National Bank of Omaha Maximum Rewards Visa

in Credit Cards from First National Bank of Omaha

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

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Highlights

Purchase APR (Variable APR)

10.24% - 18.24%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

10.24% - 18.24%(Verified 06/21/2024)

Credit Score Range

700 - 850

Annual Fee

First National Bank of Omaha Maximum Rewards Visa Review

This card is no longer available.

Who is the Platinum Edition Visa Card with Maximum Rewards Designed For?

The Platinum Edition Visa Card with Maximum Rewards is designed for people with fairly good credit who are looking for a flexible rewards cards with no annual fee that also offers a generous introductory APR.

Its 12-month 0% APR introductory rate on purchases and balance transfers makes this card a particularly good fit for people who are either planning to make a big purchase or have some credit card debt and want to repay it without worrying about interest.

What are the Rates?

The rate on purchases and balance transfers ranges from 10.24% APR to 18.24% APR depending on credit and income. This is nothing to write home about, but it has a 15-month 0% APR intro rate on purchases and balance transfers made within the first 45 days of opening the account. Cash advances have a 25.24% APR and late payments trigger a penalty rate of up to 29.99%.

What Are the Fees?

There is no annual fee but there is a high foreign transaction fee of 5% with a minimum of $15. Don't use this as your main card if you're traveling abroad. It also has a 3% balance transaction fee with a minimum of $10. The cash advance fee is 5% with a minimum of $10, which is higher than the customary 3%. The late payment fee is $37 and the returned payment fee is $35.

What Is the Rewards Program Like?

The Platinum Edition Visa Card with Maximum Rewards has a surprisingly flexible rewards program for a card with no annual fee and a competitive intro rate. The exchange rate is only 1 point for every $1 spent on all purchases, but there's no limit on the points you can earn and they only expire after 5 years.

Points can be redeemed for merchandise, book travel or as cash back in the form of a statement credit. This allows you to buy flights and travel with whichever airline you want without worrying about blackout dates or other restrictions.

What about the Signup Bonus?

There is no signup bonus.

Any Other Benefits?

Cardholders receive complimentary membership to FirstGuard, an identity theft protection service. They also get free 24/7 access to their FICO score and can personalize the card with their favorite image.

How Is It Better Than Other Credit Cards?

The Platinum Edition Maximum Rewards may be issued by a bank you've never heard of, but its features are certainly worth a second look. It combines the benefits of a 0% APR intro purchase and balance transfer card with those of a half-decent rewards card. All without paying an annual fee or stringent credit requirements.

Important disclosures: https://www.firstnational.com/dynapp/DynamicApp?goterms=Y&Promotion_Code=100538

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

Headquarters

16th & Dodge St

Omaha, NE 68197

(888) 295-5540

Visit Site

Email Support

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

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.