First National Bank of Omaha American Express® Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The First National Bank of Omaha American Express® Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees$100 initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign feeRequires excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the First National Bank of Omaha American Express® Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 888-530-3626, Ext.
First National Bank of Omaha American Express® Card has a rating of 3.4/5 according to our proprietary credit card rating system. This rating reflects how appealing First National Bank of Omaha American Express® Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards'. To break it down further, First National Bank of Omaha American Express® Card earned a score of 3.8/5 for Fees, 3.3/5 for Rewards, 3.6/5 for Cost, and 3.6/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.6/5
526 reviewsRead and write reviews
Market Comparison
Market Comparison
3.4
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
3.8
Rewards
3.3
Cost
3.6
Other Features
0.0
3.4/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit
Annual Fee
$0
APR on Purchases
21.24% (V)
Balance Transfer
APR: 21.24% (V)
Balance Transfer Fee:5% (min $10)
Rewards
A one-time $100 automatic statement credit when you spend $500 in the first 3 billing cycles.
Earn 1.5 points (equal to 1.5% cash back) for each $1 spent on net purchases.
Rewards earned never expire and are redeemable in 2,500 point increments equaling $25.
First National Bank of Omaha American Express® Card's Additional Info
View your FICO® Credit Score each month online - for free.
Zero Liability guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.
With CONNECT from American Express, you have access to a range of offers for shopping, dining, presale ticket access to popular entertainment, sporting events and more.
Auto Rental Insurance and Travel Accident Insurance.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.6
Market Comparison
3.4
fees: 3.8
rewards: 3.3
cost: 3.6
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
3.8
Market Comparison
4.0
fees: 1.3
rewards: 4.8
cost: 4.7
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.9
Market Comparison
4.0
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
(526)
(512)
(1,620)
annual fee$0
annual fee$325
annual fee$0 intro 1st yr, $95 after
rewards rate 1.5 points / $1
rewards rate 1 - 5 points / $1
rewards rate 1 - 6% Cash Back
bonus offer$100
bonus offer As High As 100,000 points. Find Out Your Offer.
bonus offer As High As $300 Cash Back. Find Out Your Offer.
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 12 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about First National Bank of Omaha American Express® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
If you're not tied to First National Bank of Omaha, then you can also check out the best credit cards and best rewards credit cards picked by our editors, to weigh your options.
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.
There was no disclosed starting credit limit for the First National Bank of Omaha American Express® Card. Some cardholders reported starting limits as low as $1,000 or even as high as $7,000. First National Bank of Omaha (FNBO), however, did not include any specific credit limit information in the card's terms. Please note that the card no longer accepts applicants.
For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores...
You can customize your First National Bank of Omaha American Express card by logging into the full site. Then select "Account Services" and then "Design Your Card".
If you have further questions, call 1-888-980-5840.
It's difficult to say how the First National Bank of Omaha American Express® Card Ticketmaster benefit worked, since the card has been discontinued, and details about its perks and ties to Ticketmaster are no longer available. In general, the Amex Ticketmaster benefit provides cardholders with exclusive access to ticket presales and preferred seating for many events.
First National Bank of Omaha doesn't offer any credit cards in partnership with American Express at the moment, though. So, those looking to apply for...
No, American Express is no longer affiliated with First National Bank of Omaha (FNBO). In the past, FNBO partnered with Amex to offer credit cards like the First National Bank of Omaha American Express® Card. However, their partnership ended in 2021, and FNBO stopped issuing credit cards operating on the American Express network.
First National Bank of Omaha now issues Mastercard or Visa cards, and interested applicants can check their credit card line-up right here on WalletHub.
First National Bank of Omaha American Express® Card Reviews
Share your insights and review for the First National Bank of Omaha American Express® Card
5
21%
4
42%
3
24%
2
9%
1
4%
3.6
526 reviews
526 reviews
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Steven Harris @stevenh_134
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5 Star Rating
Verified Customer
FNBO has been one of the best banks I've ever dealt with and their customer service is phenomenal. Everything from credit limit increases to some of the best balance transfer offers I've seen. Great bank.
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0
0
First National Bank of Omaha @FNBO
Thank you for the five star review, Steven! We appreciate your business and loyalty.
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0
0
Rebecca Gaudio @rhouser216
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1 Star Rating
They don’t even deserve one star. I was able to consistently make my payments until I had to file for disability and had no income.
The woman on the phone, Nancy, said she was not comfortable working with me.
Next thing I know they shut my credit card and I’m in collections.
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0
0
Edward Stankay @eddiejs2000
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3 Star Rating
I just received a mail piece on this card. I'm reading posts here from cardholders saying there is no annual fee. The piece I just received calls for an $89 annual fee with a 3.5% variable APR. Anybody else get this? I'm skeptical.
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0
0
william brown @sourmashmaker
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1 Star Rating
I just got preapproval in the mail today. No fee is all over the mail piece. But no rewards either. No intro rate either. I have a QS, Citi Double and Discover so why would I want a card with no rewards? I would like an Amex but not under those terms. My score is over 740
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Comment
0
0
Middleton Mccullough @biff956
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5 Star Rating
Very good card so far. Fair credit line. Great app to pay bills online. Talked to customer service couple times both spoke clear English and reps are a joy to talk with . Got invite to apply for there Ram/Dodge card and it also looks like a great card. Will probably apply for it soon. All in all FNBO gets 5 STARS FOR SURE. GREAT CARD GREAT PEOPLE.
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0
Prudencia Err @prudenciae
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1 Star Rating
i was with FNBO amex for years ..last month I called and spoke to a manager asking for approval for deferred payment 1 year to pay deal and i got approved she even increased my credit limit that i was able to buy airline tickets .. But when the bill came there is an interest of $45+. When a asked the supervisor named LYN,, she said that there was not a recorded or noted conversation stipulating i was approved for a deferred payment.. I will never use this card again..i had been a good customer,,and to be treated like this ,is just preposterous.. YOU people are LIARS!!
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Albert Phan @albert.phan.7
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4 Star Rating
The First National Bank of Omaha America Express Credit Card is a pretty good card that has a great feature of having no annual fees. The Rewards for this card is a Cash Back system, and you can get 2% cash back on gas and grocery store purchases and 1% on other applicable purchases. That is good in a way to recoup money after your daily needs. The Purchase, Balance Transfers, and Cash Advances are on par with other cards, and there's a Introductory 0% APR for the first 12 billing cycles for whenever you buy something. Comparing this to Blue Cash Preferred from American Express, the bonus from the Omaha American Express Card is lacking, since Blue Cash has an initial bonus of $150 and higher percentages on cash back. I'd definitely recommend the Omaha Card.
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13
Nick Martocello @nmartocello
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4 Star Rating
The First National Bank of Omaha American Express Credit card offers a nice rewards program - 2% on gas and groceries, and 1% on everything else which most cards offer now a days. Now starting off you get 0% APR and balance transfers for 1 year, which is always nice and standard to decent credit cards. It also has a nice variable for which you can get as an APR, which is very important. This card is a great all around casual card if your the average person doing the average spending. Get your balance transferred, paid off, and earn some points, while getting some cash back on everything you do. It reminds me of my TD Platinum card which i use frequently for the cash rewards. I would highly recommend this card.
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23
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Ben @shortstain
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4 Star Rating
In terms of a reward card, the First National Bank of Omaha Credit Card offers pretty decent awards. 2% back on groceries and gasoline is quite nice for the category, and the 1% on other purchases has become a standard for rewards cards. However, this card comes with a few nice perks such as the no interest for the first 12 months of owning the card, which I know can be a godsend. The rewards program is weaker than say, the TrueEarnings Credit Card from Costco and American Express, but there's no annual fee on this card and it offers good enough cash back - I would strongly consider this card.
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18
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David Bishop @aleroquentin
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4 Star Rating
I love the fact that the First National Bank of Omaha American Express® Credit Card has no annual fee, and that the reward system they have is much simpler than any other. I rather just have a lower rate the some gimmicky rewards, but if I am going to have one, I'd much prefer one like this. Also, a year with no balance transfer fee and no interest rate on purchases is nice. Overall, the First National Bank of Omaha American Express® Credit Card is a solid choice for someone with great credit who wants a no-frills option but still wants a cash back reward program.
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Review First National Bank of Omaha American Express® Card
First National Bank of Omaha American Express® Card
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* The information about the following cards has been independently collected by WalletHub: Evergreen® by FNBO Credit Card, First National Bank of Omaha American Express® Card, Getaway by FNBO Credit Card, and First National Bank of Omaha Rewards Secured Visa® Card.
