First National Credit Cards

You'll need excellent credit for the First National Bank of Omaha American Express card approval, which means a credit score above 750. You can get your credit score for free on WalletHub.

However, your credit score won't be the only factor taken into consideration, as the issuer will also look at any negatives on your credit report, recent inquiries, debt, and income.

Yes, any of the First National Bank of Omaha credit cards will do hard pulls upon applying. Their credit cards require at least good credit (i.e. a credit score of 700+), with the exception of the First National Bank of Omaha Secured Visa, designed for applicants with bad or no credit.

There is no way to get pre-approved for a First Progress credit card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.

You can get expedited shipping on your First National Bank of Omaha Secured card by calling 888-530-3626.

Their Cardmember Agreement states that you may be charged with an expedited card fee, which will be disclosed to you upon request of such expedited delivery.

Yes, the First National Bank of Omaha Secured will do a hard pull. You can apply for it with bad credit though.

There is no way to get pre-approved for the First National Bank of Omaha Secured.

A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.

First National Bank of Omaha, the issuer, does not disclose a starting credit limit for the First National Bank of Omaha Platinum card.

Your credit limit will be determined after submitting an application, based on your creditorthiness, debt and income.

You cannot add to your initial FNBO secured card deposit. But you can qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments. Simply call the number on the back of your card and ask.

You can review your Complete Rewards points in the Rewards Summary on your account statement, review and redeem over the phone with one of our Customer Care representatives, or you can review and redeem online while securely logged into your online banking profile.

Hello!  Earn 2 points (equal to 2% in cash back) for each $1.00 of net purchases posted to the account.

There is no limit on the number of points that can be earned, but if we offer bonus points, we may limit the number of bonus points awarded for certain purchases and/or promotions.

Points do not expire.

If the account is closed for any reason, enrollment in the program will be terminated and any accumulated points will be forfeited.

Points are redeemable in 2,500 point increments equaling $25.  You can select from the following 3 choices on how to recieve your cash back (collectively, the "Rewards"):  as a statement credit to the account; an ACH deposit to any checking or savings account (ABA routing number required); as a check sent to you by mail.

Additional information about redemption will be provided once you become a cardmember.

In order to redeem First National Bank of Omaha Complete Rewards points, go to FNB’s website. You can do everything from your account there. You can redeem your points for cash back, gift cards, travel or merchandise. I like cash myself. Seems like the best value.

If you aren't very good with computers, contact them at 800-642-0014. They will be happy to give you the best options and redeem the points for you.

Please note that Metro Bank is now part of First National Bank. First National Bank offers the FNB Visa Credit Card with ScoreCard Rewards. With this credit card you will earn 1 point per $1 on qualifying purchases with no earning limit. Please find out more or apply online here: https://www.fnb-online.com/borrow/personal-loans/personal-credit-card.