How much is the First National Bank of Omaha annual fee?

First National Bank of Omaha does not offer an authorized user bonus on any of its credit cards right now. Some credit card companies give a bonus for adding an authorized user to an eligible credit card, though this is relatively rare and First National Bank of Omaha is not among the companies offering it.… read full answer

There are still benefits to adding an authorized user to your First National Bank of Omaha credit card, though. To start, the authorized user is able to build credit. In addition, an authorized user’s spending still counts toward earning a card’s initial bonus. And authorized users’ purchases will earn rewards at the same rates as the primary cardholder’s purchases. Only the primary cardholder is able to redeem rewards earned by any user on a card, however.

The First National Bank of Omaha categories for bonus credit card rewards are Travel and Icelandair purchases, depending on the card. When cardholders make purchases that qualify for their First National Bank of Omaha card’s bonus categories, they earn extra rewards compared to the card’s base rewards rate.

First National Bank of Omaha Credit Card Categories for Bonus Rewards… read full answer

• Icelandair Credit Card: Icelandair purchases
• Icelandair Credit Card with No Annual Fee: Icelandair purchases
• Yale University Credit Card: Travel

Whether a purchase falls into a card’s bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business they conduct. So if a merchant has the MCC for “Travel,” for example, purchases made at that merchant with cards that include “Travel” as a bonus category will earn bonus rewards.

If you’re looking to get a rewards credit card from First National Bank of Omaha, it’s a good idea to pick a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. Alternatively, you might want to get a card that offers a flat rewards rate on all purchases, like the Ducks Unlimited Credit Card.

To contact the First National Bank of Omaha reconsideration line, call 1-888-530-3626. The First National Bank of Omaha reconsideration line is a way for denied credit card applicants to request a second review of their application and potentially get the denial overturned. In the case of First National Bank of Omaha, the reconsideration line is the same as the issuer’s general customer service number.… read full answer

If you call to request reconsideration from First National Bank of Omaha, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.

For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.

At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.