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First National Bank of Omaha Maximum Rewards® Visa Review

This article was written by in Credit. 9 comments.


Editor’s Note: Thank you for your interest, this offer expired and is no longer available.

While the most familiar credit cards come from big-name issuers like Capital One, Chase, American Express, Citi or Bank of America, some of the better offers come from less familiar banks. First National Bank of Omaha (FNBO) is one of the oldest and highly respected banks in the United States, known to Consumerism Commentary readers for their FNBO Direct Savings Account. This bank currently offers a credit card that rewards cardholders with cash back, a low interest rate, and a solid introductory offer. The First National Bank of Omaha Maximum Rewards® Visa is a decent overall credit card, requiring excellent credit for approval.

Consider the First National Bank of Omaha Maximum Rewards® Visa a rewards credit card because it offers cardholders one point for every dollar spent no matter what you spend your money on or how much of it you spend each year. Cardholders can redeem points for a variety of rewards including cash, and there is no limit to the amount of points you can earn. As long as you remain an FNBO cardholder with an account in good standing, your points will never expire.

All cardholders will receive a 0% introductory APR on balance transfers for 12 months and on purchases for six months, which allows for interest free spending and payments. There is a balance transfer fee of 4% during this introductory offer. The standard APR, which will be applied after the introductory period has expired is a variable rate between 11.99% and 19.99%, based on the applicant’s credit history. The standard balance transfer fee is 5%. The APR for cash advances is 25.24%, but cash advances should be avoided.

The First National Bank of Omaha Maximum Rewards® Visa does not have an annual fee, making it attractive to all types of cardholders. This offer might not blow you away in terms of rewards but it’s a straightforward, no nonsense credit card with a standard 1% return for cash back. Consider the First National Bank of Omaha Maximum Rewards® Visa the next time you’re in the market for a new credit card.

Updated October 10, 2014 and originally published February 25, 2011. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @ConsumerismComm on Twitter and visit our Facebook page for more updates.

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About the author

Luke Landes is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about Luke Landes and follow him on Twitter. View all articles by .

{ 9 comments… read them below or add one }

avatar skylog ♦368 (Nickel)

this seems like a good vanilla credit card that could appeal to many people. the 12-month 0% offer is solid, but as is the case with other cards recently, the 5% fee is pretty steep.

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avatar Valerie

If anyone else here is 50 or older, AARP is offering a Chase Credit card which pays 5% rebate on ALL purchases the first six months and 1 % on everything thereafter. I received the offer from AARP directly…it does not seem to appear on the Chase pages with AARP shown.

There is no annual fee, no limit on the 5% during the first six months. Thereafter the 1 % is paid up to $700 per year. We keep all credit card purchases paid in full monthly, so I don’t pay much attention to the interest charged or transfer offers. I realize that is an important issue to many. However, it seems to me that if you are running a balance and paying interest, the rebates are something of a moot point…you’re probably paying more in interest than you’ll ever get in rebates.

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avatar Bobka ♦13 (Newbie)

Thanks for the heads up, Valerie. Chase just sent me a letter saying that they were converting my PerfectCard which gives cash rebates each month to a Chase FreedomCard which gives points. I will have to see about changing instead to the AARP card.

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avatar Dad's Taxi

Thanks for this insightful posting.. I will check out this offer. I’ve posted a link to your site from my blog as well on my sidebar.. Thanks and best wishes!

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avatar tbork84 ♦1,867 (Half-Dollar)

Not a bad card from a bank that I actually do have an online savings account with. If I hadn’t just taken advantage of a slightly better offer I would be tempted to take this one.

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avatar jayce

My First National Bank of Omaha rewards do expire! No one has been able to tell me they are expiring until I get one months notice on my statement. Also the only rewards program that I have that does not allow you to make your own reservations on line. Alaska Air and AAdvantage are much better in my opinion.

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avatar Edwin D McNeeL

on my visa card their is a charge from (jdi-cc.com) please block this company from any further charges. THANK-YOU Ed McNeeL.

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avatar Luke Landes ♦127,500 (Platinum)

Hi Edwin, you’ll have to contact your bank. This website is not affiliated with your bank.

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avatar Edwin D McNeeL

if further information is needed please responed via E-Mail and post a phone number in wich I can call and talk to a live person… thank-you Ed McNeeL

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