Features

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, and was established in 1857.

It is for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

This card allows 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.

What are the relevant APRs?

First National Bank of Omaha charges a variable APR on new purchases that ranges from 10.24% to 18.24%. Balance transfer APRs, which are also variable, range from 10.24% to 18.24%.

Is an introductory APR offer available?

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

What are the fees?

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

  • 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% commission. 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?

    First National Bank of Omaha Platinum Edition Visa Card offers a rewards program to its customers. You can earn more rewards if you make purchases in the following categories:

    Is a signup bonus offered?

    No, it doesn't offer a cash signup bonus.

    What additional benefits does are offered?

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

    • Free FICO score
    • Car rental insurance
    • Extended warranty
    • Flight insurance
    • Fraud liability
    • Travel insurance

    • Credit Score Range
      700 - 850
    • Employment Statuses Considered
      • Employed Full-Time
      • Employed Part-Time
      • Other
      • Retired
      • Self-Employed
      • Unemployed
    • Immigration Status Considered
      • U.S. Citizen
      • U.S. Permanent Resident
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Minimum Age
      18
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Customer Type
      Personal
    • Grace Period / Deferred Interest
      21
    • Late Payment Penalty
      $37
    • Minimum Interest Charge
      $2
    • Returned Payment Fee
      $35
    • Foreign Currency Transaction Fee
      3%
    • No Annual Fee
    • Card Type
      • Balance Transfer
      • Rewards
    • 0% Introductory APR
    • Card Network
      Visa
    • Car Rental Insurance
    • Extended Warranty
    • Flight Insurance
    • Fraud Liability
    • Free FICO Score
    • Travel Insurance
    • Purchases APR (variable)
      10.24% - 18.24%
    • Transfer Fee
      5% w/$10 min.
    • Balance Transfer APR (variable)
      10.24% - 18.24%
    • Intro APR period (months)
      15
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