First National Bank of Omaha Platinum Edition Visa Card

First National Bank of Omaha Platinum Edition Visa Card Review

This is a 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.

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 up to $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 Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, trip cancellation and interruption protection, 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

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?

First National Bank of Omaha Platinum Edition Visa Card 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% .

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

The following fees apply:

• There is no overlimit fee

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 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.