What Is FNBO, and Are Its Credit Cards Right for You?
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The First National Bank of Omaha, or FNBO, based out of Omaha, Nebraska, is generally known for its selection of branded travel and retail credit cards, like the Amtrak and Ducks Unlimited cards. But the bank also issues three FNBO-branded consumer credit cards, including the:
Secured® Visa Credit Card.
All three cards have a $0 annual fee and, according to an FNBO representative, accept applications from across the U.S., but some geographic restrictions apply. And the Evergreen and Getaway credit cards earn FNBO Rewards, which are generally worth 1 cent per point whether you redeem for cash back, retail gift cards or travel through the FNBO travel portal.
But with all the other cards on the market, is one of these FNBO cards right for you? Here's a deeper look at each card.
Evergreen® by FNBO Credit Card
The Evergreen by FNBO is a Visa credit card that is available to people with good to excellent credit, and offers cardmembers:
Unlimited 2% back on every purchase, and points never expire.
A sign-up bonus of 20,000 FNBO Rewards points (worth $200) after spending $1,000 within the first 3 billing cycles after the account is opened.
0% introductory APR for the first 12 billing cycles after opening on purchases and balance transfers. Rates will range between 17.24% and 26.24% after the introductory offer expires, as of this writing.
The Evergreen card is a run-of-the-mill, no-hassle 2% back card. The sign-up bonus is good but standard for a cash back card with no annual fee. And if you’re looking to finance purchases, there are plenty of options that provide a longer introductory offer period ranging from 15 to 21 months.
If you’re in the market for a simple cash back card and an introductory 0% APR period, you’d be better off with the Citi Double Cash® Card, which offers a 0% intro APR on balance transfers for 18 months, and then the ongoing APR of 18.49%-28.49% Variable APR.
Getaway® by FNBO Credit Card
The Getaway by FNBO Credit Card is a Mastercard that is available to people with good to excellent credit, and offers cardmembers:
3x points per dollar spent on travel, dining and gas station purchases.
1x point per dollar spent on all other purchases.
0% introductory APR for the first 12 billing cycles after opening on purchases and balance transfers. Rates will range between 17.24% and 26.24% after the introductory offer expires, as of this writing.
The FNBO Getaway card has no introductory bonus outside of the 0% APR offer. And, like the Evergreen card, there are better options if you’re looking for a no-annual-fee card that offers a 0% APR promotional period.
While the 3x bonus categories are useful, the Wells Fargo Autograph℠ Card offers 3x points on travel, dining, gas station purchases, transit, streaming and telecommunications. Plus cardholders get a valuable sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. The card also comes with a 0% introductory APR offer, which the issuer phrases this way: 0% intro APR on Purchases for 12 months from account opening, and then the ongoing APR of 19.49%, 24.49%, or 29.49% Variable APR. That card also comes with cell phone insurance when you use the card to pay the bill (subject to a $25 deductible) and access to Wells Fargo Deals.
Secured Visa® Credit Card
The Secured Visa® card by FNBO is designed to help people build or rebuild their credit score. Applicants can request their own credit limit between $300 and $5,000 (subject to credit approval). Like all secured cards, the credit line is “secured” by a cash deposit made to a savings account by the cardmember and equal to the credit line.
Cardmembers may qualify for a credit limit increase without an additional deposit after making as few as seven months of on-time bill payments. They may also get their deposit back and transfer to a non-secured card (like the FNBO Evergreen or Getaway cards) with as few as 11 months of on-time payments.
Like most secured credit cards, the Secured Visa® card carries a sky-high variable rate APR of 22.49% for purchases and balance transfers. You won’t want to carry a balance on this card.
The card also does not earn rewards on purchases. If you’re rebuilding your credit, you'll probably do better with the Capital One Quicksilver Secured Cash Rewards Credit Card, which offers a lower minimum deposit of $200 and the ability to earn 1.5% cash back on all purchases. It also comes with an automatic credit limit review after six months and a faster possible upgrade to a non-secured credit card.
» MORE: Best credit cards for bad credit
Other FNBO credit cards
In addition to the cards listed above, FNBO issues multiple co-branded cards for travel and retail brands. These include:
Amtrak: There are two versions of this card, including the Amtrak Guest Rewards Mastercard ($0 annual fee) and the Amtrak Guest Rewards Preferred Mastercard ($99 annual fee).
ANA: This card comes with a $70 annual fee and allows cardholders to earn All Nippon Airways (ANA) miles.
BP: This $0-annual-fee card earns flexible rewards on purchases at BP and Amoco in addition to bonus rewards on dining and grocery purchases.
Dodge: This card lets you earn bonus rewards on Dodge dealership, gas station and travel purchases for a $0 annual fee.
Ducks Unlimited: It allows you to earn 1.5% cash back on everyday purchases for no annual fee.
Greenlight: With an eye toward funding kids' education with rewards, the Greenlight Family Cash card earns up to 3% cash back each month (depending how much you spend). While there's no annual fee, you'll need a Greenlight subscription to qualify for the card.
JAL: This is the first and only co-branded card offered by Japanese Airlines (JAL) that's available to U.S. applicants.
Jeep: The $0-annual-fee card is geared towards Jeep enthusiasts and earns 7% cash back at Jeep dealerships and 2% cash back on everyday purchases.
MGM: This card card earns bonus rewards at MGM properties and on gas and supermarket purchases for no annual fee.
Sheetz: It earns discounts on gas purchased at Sheetz — but not rewards — for a $0 annual fee.
Sun Country Airlines: This $0-annual-fee card earns bonus rewards on purchases made at Sun Country Airlines, gas stations and grocery stores.
Universal: There are two versions of this card geared toward thrill-seekers looking to offset a park visit: the $0-annual-fee Universal Rewards Visa Signature card and the $99-annual-fee Universal Rewards Plus Visa Signature card.
Is an FNBO credit card right for you?
The simple answer is probably not. The marketplace for both no-annual-fee cash-back cards and secured cards is robust, and there are better comparable options available for whichever of the three FNBO credit cards you may be considering.
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