First National Credit Cards
WalletHub makes it easy to find the best First National credit card for you.
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- Request your credit limit by providing a deposit between $300 and $5,000, in $50 increments, when you apply.
- You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history (subject to credit approval).
- 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 (subject to credit approval).
- Automatic reporting to the 3 major credit bureaus.
- View your FICO® Credit Score each month online - for free.
- See More Details & Reviews About TheFirst National Bank of Omaha Secured Visa® Card
- Get a $100 statement credit when you spend $499 in FCA US purchases in your first billing cycle.
- Earn 5 points per $1 spent on FCA purchases, 2 points per $1 spent on qualifying travel and gas purchases and 1 point per $1 spent on other purchases.
- Earn a $1000 Bonus Certificate towards the purchase of your next vehicle when you spend $7,500 in your first year.
- You have 7 years from when points are awarded to use them before they expire.
- You can redeem for rewards at the dealership or donations, travel, cash back, brand name merchandise and gift cards.
- 0% Introductory APR applies only purchases made at FCA US dealerships in which single or multiple items are purchased in the same transaction totaling at least $499.
- FCA US dealerships are Chrysler, Dodge, Jeep®, Ram, and/or FIAT® dealerships in the United States.
- From time to time, qualifying cardmembers may receive exclusive, private offers, such as low-rate financing options, added dealer bonus cash and other valuable benefits.
- Cardmembers can keep tabs on their FICO® Score – at no cost.
- See More Details & Reviews About TheFiat Credit Card
- Get a $100 statement credit when you spend $499 in FCA US purchases in your first billing cycle.
- Earn 5 points per $1 spent on FCA purchases, 2 points per $1 spent on qualifying travel and gas purchases and 1 point per $1 spent on other purchases.
- Earn a $1,000 Bonus Certificate towards the purchase of your next vehicle when you spend $7,500 in your first year.
- You have 7 years from when points are awarded to use them before they expire.
- You can redeem for rewards at the dealership or donations, travel, cash back, brand name merchandise and gift cards.
- 0% Introductory APR applies only purchases made at FCA US dealerships in which single or multiple items are purchased in the same transaction totaling at least $499.
- FCA US dealerships are Chrysler, Dodge, Jeep®, Ram, and/or FIAT® dealerships in the United States.
- From time to time, qualifying cardmembers may receive exclusive, private offers, such as low-rate financing options, added dealer bonus cash and other valuable benefits.
- Cardmembers can keep tabs on their FICO® Score – at no cost.
- See More Details & Reviews About TheJeep Credit Card
- Save 5¢ per gallon when you use your Sheetz Credit Card at Sheetz pumps.
- Earn 5 points per $1 spent (5% cash back) on Sheets in-store purchases.
- Earn 1 point per $1 spent (1% cash back) on all other qualifying purchases (excluding non-Sheets service stations and fuel purchases).
- Redeem rewards for Sheets food, Sheets stuff or cash back.
- Get a $100 statement credit when you spend $499 in FCA US purchases in your first billing cycle.
- Earn 5 points per $1 spent on FCA purchases, 2 points per $1 spent on qualifying travel and gas purchases and 1 point per $1 spent on other purchases.
- Earn a $1,000 Bonus Certificate towards the purchase of your next vehicle when you spend $7,500 in your first year.
- You have 7 years from when points are awarded to use them before they expire.
- You can redeem for rewards at the dealership or donations, travel, cash back, brand name merchandise and gift cards.
- 0% Introductory APR applies only purchases made at FCA US dealerships in which single or multiple items are purchased in the same transaction totaling at least $499.
- FCA US dealerships are Chrysler, Dodge, Jeep®, Ram, and/or FIAT® dealerships in the United States.
- From time to time, qualifying cardmembers may receive exclusive, private offers, such as low-rate financing options, added dealer bonus cash and other valuable benefits.
- Cardmembers can keep tabs on their FICO® Score – at no cost.
- See More Details & Reviews About TheChrysler Credit Card
- 50,000 bonus points after you spend $1,000 in first 3 billing cycles.
- 20,000 bonus points when you spend at least $5,000 during each 12 billing cycle period.
- Earn 10 points for each $1.00 of Best Western Purchases with this card (Plus, 10 points as a BestWestern Rewards® member).
- Earn 2 points per $1 spent everywhere else.
- 10% discount when cardholders select the Best Western Rewards Rate at bwrcarddiscount.com (Discount based on Flexible Rate).
- Automatic Platinum Elite Status for the cardholder.
- See More Details & Reviews About TheBest Western Premium Credit Card
- Earn 10,000 bonus points after the first Net Purchase is posted to the account.
- Earn 2 Points for every $1 spent on Icelandair purchases.
- Earn 1 Point for every $1 spent anywhere else.
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Best First National Credit Cards of 2020
The best First National credit card, in terms of overall value, is the Best Western Premium Credit Card. It offers a big initial rewards bonus, which alone should be enough for at least a few free nights. The ongoing rewards aren’t too shabby, either. But if you’re not in the market for a way to save on hotel stays, the First National Bank of Omaha Complete Rewards℠ Visa® Card could be a good choice. You can score a small cash bonus to start, plus a 0% intro APR on purchases, and there’s no annual fee.
However, general-purpose ongoing rewards are not a strong suit for First National credit cards. So you’ll probably need to turn to another issuer for a good cash back credit card or points/miles that you can use with any travel provider. The same goes for people with limited or fair credit. First National Bank of Omaha only has offers for people with good or excellent credit and people with bad credit.
Below, you can get a feel for how the top First National credit card offers compare to one another in some key categories.
Best First National Bank of Omaha Credit Cards
| FNB Credit Card | Best For | Annual Fee | Min. Credit Required |
| First National Bank of Omaha Complete Rewards℠ Visa® Card | 0% Purchases | $0 | Excellent |
| First National Bank of Omaha Platinum Edition® Visa® Card | Balance Transfer | $0 | Excellent |
| First National Bank of Omaha Secured Visa® Card | Bad Credit | $0 | Bad |
| Best Western Premium Credit Card | Hotel Rewards | $59 | Good |
| Sun Country Airlines Credit Card | Airline Rewards | $69 | Good |
| Overstock.com Credit Card | Online Shopping | None | Good |
| First National Bank of Omaha Business Edition® Visa® Card with Business Category Rewards | Business | None | Excellent |
Check out WalletHub’s picks for the best rewards cards, the best 0% cards and the best credit cards with no annual fee to see if any First National offers made the cut. You can also check your latest credit score for free on WalletHub to see which cards you have a good shot at getting approved for.
Questions & Answers
Comparing first national credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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What credit score is needed for the First National Bank of Omaha American Express card? Reply
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.
Does First National Bank of Omaha do a hard pull? Reply
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.
Can I get expedited shipping on my First National Bank of Omaha Secured card? Reply
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.
Does the First National Bank of Omaha Secured card do a hard pull? Reply
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.
What's the starting credit limit for the First National Bank of Omaha Platinum card? Reply
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.
Can I increase my First National Bank of Omaha Secured card deposit? Reply
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.
How do I check my First National Bank of Omaha Complete Rewards points balance? Reply
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.
How do I earn cash back with my First National Bank of Omaha credit card? Reply
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.
How do I redeem my First National Bank of Omaha Complete Rewards card points? Reply
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.
What is your rewards program for personal credit cards? Reply
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.
Featured Credit Cards
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.