First National Bank of Omaha Platinum Edition Visa Card 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
Not Currently Available
First National Bank of Omaha Platinum Edition Visa Card
Unaffiliated
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -62
Strongly not recommended8 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
12.24% - 20.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.24% - 20.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
First National Bank of Omaha Platinum Edition Visa Card Review
First National Bank of Omaha Platinum Edition Visa Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- Signup bonus. Offers a signup bonus of up to $25.
- APRs: First National Bank of Omaha Platinum Edition Visa Card has a variable regular 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.
- A 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 up to 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 excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of First National Bank of Omaha credit card
| The Good | The Bad |
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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% .
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 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.24% - 20.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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 up to 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 customer service number for First National Bank of Omaha credit card 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 to the following credit bureaus:
- 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 build your credit.
Does First National Bank of Omaha perform a hard credit pull?
Yes, First National Bank of Omaha credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First National Bank of Omaha credit card
- Visit the website of First National Bank of Omaha credit card.
- 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.
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
Business Credit Cards
Be the first to rate
Other Credit Cards from First National Bank of Omaha
Rating not yet determined
Purchase APR
16.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
16.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$89
Rating not yet determined
Purchase APR
Up to 22.99%
Balance Transfer APR
22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 620
Annual Fee
$0
Rating not yet determined
Purchase APR
22.49%
Disclaimer popup with additional information
Balance Transfer APR
22.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 620
Annual Fee
$0
Rating not yet determined
Purchase APR
20.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
17.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
22.24%
Disclaimer popup with additional information
Balance Transfer APR
22.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 620
Annual Fee
$0
Rating not yet determined
Purchase APR
21.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
21.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 700
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -62, or 1.8 on a 5-point rating scale.
-62
-1000+100
No one recommends
Everyone recommends
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?
CR
Charlie R.
Jan 4, 2021
May or may not recommend
BEWARE OF First National Bank Omaha (FNBO). I have had online issues with paying my credit card bill and was charged Return Fees because they said my Checking Account at my Bank was closed, which was not true all. I called customer service and they were not willing to reverse the Return Fee they charged me. On top of that, they charged me a Late Fee as well. STAY AWAY ...Show More
JM
Jonathan M.
Oct 1, 2018
May or may not recommend
SCAM ALERT!!! I quit using my credit card 12 months ago after paying off the balance. Today I received a notice saying they closed my account which negatively effects my credit. I always paid on time and paid it off in full on time, yet they negatively effected my credit cause I did use their credit card because of the high rates.
DY
DAVE Y.
Mar 13, 2018
May or may not recommend
BEST CREDIT CARD I HAVE IN MY MIX NEVER HAVE HAD ANY PROBLEMS PERIOD BE RESPONSIBLE WITH IT NEVER BE LATE STARED WITH A 1000 LIMIT IN 2013 TODAY I AM AT A 10,000 LIMIT NOT ONE COMPLAINT OH GOT SOME OF FRIENDS STARTED WITH FNBO GREAT CARD THANK U
U
Anonymous
May 16, 2015
May or may not recommend
I too had my credit line limited for no apparent reason. Really made me made because I was about to use the line! Now I have to figure out what I'm going to do for the purchase, which is something I promised to my son. Really annoyed right now!
U
Anonymous
May 16, 2015
May or may not recommend
Things have worked out fairly well for me with this credit card. I have enjoyed the fact that there are no annual fees. They do offer a few benefits, including car rental insurance and travel insure--both of which I've used during my last trip.
U
Anonymous
May 2, 2015
May or may not recommend
Not the best place in the world if you're trying to improve your credit with a credit card, or if you want a card you can rely on to have the credit limit you want when it's time to buy something! I think there are much better options out there. So if you are reading this, go on and find one of them!
U
Anonymous
May 2, 2015
May or may not recommend
I've had my credit line lowered twice with this outfit! I should have just closed it after the first time, but I figured that would also hurt my score even further. My best advice would be to avoid this card, unless you plan on using the heck out of it and maxing it out all of the time.
U
Anonymous
May 2, 2015
May or may not recommend
I've read reviews about this place lowering credit lines for no apparent reason. I'm not sure why they do that, but I've tried to avoid that by having the thing nearly maxed out all of the time.That's not hard to do, because my credit line isn't that high. I just figure if it's almost maxed, how low are they gonna make it?
Showing 8 of 8 reviews
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