
If you're looking for a credit card that offers great rewards and benefits, First National Bank has some excellent options. The First National Bank Visa Platinum Credit Card offers a 0% introductory APR for 12 billing cycles, which can be a huge help if you're looking to avoid interest charges.
The First National Bank Visa Signature Credit Card offers more rewards opportunities, with 3 points for every dollar spent on dining and 2 points for every dollar spent on gas. This card also comes with a $200 statement credit after spending $1,000 in the first 3 months.
First National Bank also offers a Visa Cash Back Credit Card with a 1% cash back reward on all purchases. This card has no annual fee and is a great option for those who want a simple, straightforward rewards program.
Credit Card Options
First National Bank offers a range of credit card options to suit different needs and preferences.
Their credit cards have varying interest rates, with some cards offering a 0% introductory APR for 12-18 months, while others have a regular APR of 12.99% - 22.99% (Variable).
You can choose from rewards credit cards, cash back credit cards, and travel credit cards, each with its own set of benefits and features.
Some credit cards require a security deposit, which can be as low as $49, while others have no annual fee at all.
Secured Visa Card
If you're struggling to get approved for a regular credit card, a secured Visa card might be a viable option. No membership fees are required to apply for the First National Bank of Omaha Secured Visa Card.
However, it's worth noting that this card comes with a high regular APR, which could lead to higher interest charges if you're not careful with your payments.
Some secured Visa cards, like the First National Bank of Omaha Secured Visa Card, require a security deposit, which can be a drawback for those who don't have the funds available.
Qualifying for a secured Visa card with bad credit is possible, making it a good option for those with poor credit history.
Evergreen by FNBO
The Evergreen by FNBO credit card is a solid choice for those who want to earn rewards without breaking the bank. It offers no membership fees, which is a major plus.
With a high rewards rate, you'll earn points on your purchases, but be aware that there's no intro APR on purchases or balance transfers. This means you'll start paying interest right away if you don't pay off your balance in full each month.
One benefit of the Evergreen card is the initial rewards bonus of 20,000 points, which can be a nice boost to your rewards earnings. However, you'll need to have good or excellent credit to qualify for this card.
Here are some key details about the Evergreen by FNBO credit card:
- No membership fees
- High rewards rate
- 20,000 points initial rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Credit Card Comparisons
First National Bank credit cards offer a range of benefits, including no annual fee, making them an attractive option for those who want to avoid extra charges.
Some of the credit cards offered by First National Bank have a cash advance fee, which can range from 3% to 5% of the amount advanced, plus a minimum fee of $5.
Having a credit limit of $1,000 to $10,000 can be helpful for making large purchases or covering unexpected expenses.
First National Bank credit cards also offer a grace period of 25 days, giving cardholders time to pay their balance without incurring interest charges.
Many of the credit cards offered by First National Bank have a variable APR of 12.99% to 23.99%, which can impact the amount of interest paid over time.
With credit cards from First National Bank, cardholders can earn rewards such as 1% cash back on all purchases, making it a great option for those who want to earn rewards on their daily spending.
Rewards and Benefits
The rewards and benefits of the First National Bank credit card are definitely a highlight.
You can earn 1% cash back on all purchases, which can add up quickly.
There's no annual fee for this card, making it a great option for those who want to earn rewards without extra costs.
You can also enjoy purchase protection and extended warranty benefits, giving you extra peace of mind when making purchases.
Getaway by FNBO
The Getaway by FNBO Credit Card is a great option for those looking for a rewards card with no membership fees. You won't have to pay any annual fees to use this card.
One of the biggest perks of the Getaway by FNBO Credit Card is the 0% intro APR on purchases and balance transfers. This means you can make purchases or transfer balances without paying any interest for a certain period of time.
However, keep in mind that you'll need good or excellent credit to qualify for this card. It's also worth noting that there's a balance transfer fee, which can add up quickly.
Here are some key benefits of the Getaway by FNBO Credit Card:
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
It's worth considering the regular APR on this card, which is relatively high. This means that if you don't pay off your balance in full each month, you'll be charged interest at a higher rate.
Rewards Platinum
The Rewards Platinum card is a great option for those who want to earn rewards on their purchases without an annual fee. It offers a 0% intro APR for 12 months on purchases and balance transfers, which can be a huge help for those who need to make a large purchase or pay off existing debt.
You'll earn unlimited reward points that don't expire, which means you can redeem them at any time. Here's how the rewards program works:
- Earn one point for every net dollar you spend
- Redeem points for merchandise, rental cars, cruises, hotels, and airline travel
- Visit mycommunitycc.com for details
This card is a great choice for anyone who wants to earn rewards on their everyday purchases without breaking the bank.
Frequently Asked Questions
What credit card is associated with First National Bank?
The FNB SmartRate SM Credit Card is associated with First National Bank, offering a low interest rate and convenient payment options. This card allows you to make everyday purchases and consolidate bills on one statement.
What credit score is needed for a first national bank credit card?
To be approved for a First National Bank credit card, you'll need a good credit score of 700+ and a strong credit history. If you meet this credit score requirement, you may be eligible for a First National Bank credit card.
What credit cards does First National Bank issue for bad credit?
First National Bank issues the FNB SmartSecured Credit Card for individuals with bad credit or no credit history, requiring a deposit equal to the credit limit. This secured credit card helps establish or repair credit with responsible use.
Is it hard to get a first national bank credit card?
To get a First National Bank of Omaha credit card, you'll need to meet basic requirements like having a steady income and being at least 18 years old, and a good credit score. Meeting these requirements makes it relatively easy to apply for a credit card.
Sources
- https://wallethub.com/credit-cards/first-national/
- https://www.mykindofbank.com/borrow/credit-cards/personal-credit-cards.html
- https://fnbhamilton.com/personal/debit-credit-card/credit-cards/
- https://www.sycamore.bank/personal-borrowing/credit-cards-2/
- https://www.firstbankcard.com/site/faqs/personal/credit_cards.fhtml
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