What Is FNBO, and Are Its Credit Cards Right for You?
FNBO issues multiple cards for varying kinds of credit files. But whether you’re looking for rewards, a 0% APR offer or a way to help your credit, you can likely do better elsewhere.
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Updated · 2 min read
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Managing Editor The First National Bank of Omaha (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 multiple FNBO-branded consumer credit cards, including the:
- Rewards Secured Credit Card.
- GreenSelect Credit Card.
All of those cards have a $0 annual fee and, according to an FNBO representative, accept applications from across the U.S., but some geographic restrictions apply. The Evergreen, Getaway and Rewards Secured 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 considering all the other possible 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 17.49%-27.49% 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 for 12 months from account opening on purchases, and then the ongoing APR of 18.49%, 24.49%, or 28.49% 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.
Rewards Secured Card
The FNBO Rewards Secured Card is designed to help people build or rebuild their credit score, and you’ll need at least some credit history to apply. Applicants can request their own credit limit between $300 and $5,000 (subject to credit approval). Like all secured cards, the credit line is established and “secured” by a cash deposit made to a savings account.
FNBO notes that it will periodically review card accounts for a credit limit increase as credit history improves. Cardholders may also get their deposit back and transfer to a non-secured card (the FNBO Evergreen or Getaway card) as their credit history improves. Notably, the card reports payment activity to the three major credit bureaus, which is essential when trying to build credit.
Like most secured credit cards, the FNBO Rewards Secured Card carries a high variable APR, so you won’t want to carry a balance.
Additionally, the card earns 1 point per dollar spent on all purchases. Although rewards may not be the priority for those trying to build credit, there are credit-building options that earn more. For instance, the Capital One Quicksilver Secured Cash Rewards Credit Card offers a lower minimum deposit of $200 and the ability to earn 1.5% cash back on all purchases, plus 5% on hotels, vacation rentals and rental cars booked through Capital One Travel. It also comes with an automatic credit limit review after six months and a faster possible upgrade to an unsecured credit card from Capital One.
» MORE: Best credit cards for bad credit
GreenSelect Credit Card
For those who need a break from interest, the GreenSelect Credit Card can help. As of this writing, it offers a 0% intro APR on balance transfers and purchases for 18 months. After that, a variable APR will apply. The card doesn't charge an annual fee, but it does charge a balance transfer fee of $10 or 5%, whichever is greater.
The GreenSelect Credit Card's intro APR offer can save cardholders hundreds of dollars in interest for more than a year. But after that promotion, the card won’t offer much in terms of ongoing benefits; it doesn't earn rewards. For a card that does feature ongoing rewards and benefits, consider the $0-annual-fee Chase Freedom Unlimited®. It, too, features an interest-free period: 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% Variable APR. However, unlike the GreenSelect Credit Card, it earns rewards as well: 5% back on travel booked through Chase; 3% back at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; and 1.5% cash back on everything else.
» MORE: Best 0% APR credit cards
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 reasonable 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: Discontinued.
- JAL: This is the first and only co-branded card offered by Japan Airlines (JAL) that's available to U.S. applicants.
- Jeep: The $0-annual-fee card is geared toward Jeep enthusiasts and earns 7% cash back at Jeep dealerships and 2% cash back on everyday purchases.
- Mary Kay: Only Mary Kay consultants can apply for this no-annual-fee card, which features decent rewards for those who've committed to the company.
- MGM: MGM loyalists can choose between a $0-annual-fee MGM credit card or a premium $249-annual-fee version, the latter of which offers more perks. Both cards, though, earn bonus rewards at MGM properties and on other eligible spending.
- Sheetz: It earns rewards on in-store Sheetz purchases — but, notably, not on Sheetz gas — for a $0 annual fee.
- Speedway: Instead of cents off per gallon, you'll earn points, though the values tend to be low.
- 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 FNBO credit card you may be considering.
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