First National Bank of Omaha
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1 Star Rating
Contacted them in April regarding a billing issue. It is now June and they have not addressed the issue. Useless customer service.
Product: BP Credit Card
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First National Bank of Omaha
Banks are intertwined in people's lives, integral to their communities and have the resources to create change. First National Bank of Omaha is a force for good in the world. In every action it takes, from a teller greeting a customer to its leadership formulating the next step for the company, First National Bank... show more
First National Bank of Omaha Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 06/17/2026.
3.6
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First National Bank of Omaha
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1 Star Rating
Verified Customeravoid this card -- rewards are not what they appear to be -- cash is not 1 cent per point as all other cards are -- earnify rewards disappear -- no help with customer service -- worst credit card i ever had
Product: BP Credit Card
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First National Bank of Omaha
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1 Star Rating
Awful bank and definately redicules service, we were not able to set automatic pay, and we did it online, it didn't apply, then they reported our account late to Credit. this is for scheels credit card, if scheels service rate at 10, this will be minus 10.
Product: First National Bank of Omaha Credit Cards
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First National Bank of Omaha
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1 Star Rating
This card is being falsely advertised by many dealers across the country as offering 5% cash back on purchases. However, it is not 5% cash back; it is 5X points. These points can then be redeemed, but at a value of less than 5%. A statement credit is redeemed at only 2.5%. Furthermore, the dealer I used to purchase a new vehicle misrepresented the application of the $1,000 bonus certificate on a new vehicle by combining it with other dealer incentives. As a result, I never received credit for it. I don't believe the First National Bank of Omaha was aware of the problem until I contacted their main office on March 12, 2026. Consumers are being misled by false advertising at many dealers across the country, as I was.
Product: Ram® Credit Card
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First National Bank of Omaha
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1 Star Rating
Terrible, anti-customer customer service. The entire process from opening an account to dealing with routine matters, such as setting up Apple Pay, is far below industry standards.
Product: First National Bank of Omaha Credit Cards
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First National Bank of Omaha
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1 Star Rating
The 15 cents off fuel purchases is a farce. The fuel price on their sign out front is for the 85% ethanol (cheaper) while at every other station it is for the regular ethanol blend. Therefore, it appears at first glance that you are getting fuel for 15 cents less than at other stations, but you are not. Using their card with their 15 cents off, you are paying the same as you can get it for anywhere else in town. Pretty shady. We are canceling; there are a lot better cards out there without having to deal with their less than honest business practices.
Product: BP Credit Card
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We appreciate you taking the time to leave a review. While FNBO manages the BP Rewards Visa card, we do not have control over prices charged by service stations. To address these concerns, we would recommend reaching out to BP directly. If you have any questions or concerns about your credit card, you can call us at 888-530-3626, or submit a secure message from our website. Any of our Specialists will be happy to help.
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First National Bank of Omaha
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5 Star Rating
Verified CustomerThis card is great for rewards at the dealership, so it's beneficial!
Product: First National Bank of Omaha Credit Cards
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We're happy to hear you're enjoying your card and its rewards! Thanks for taking the time to leave a review.
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First National Bank of Omaha
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5 Star Rating
Thank you, Ashley, you helped me today! Dec 19, 2025, at 8:10 am, just before Christmas break.
The app was not updating my balance on a card that I forgot was on auto-pay. 💰
You helped me in less than 6 minutes to transfer that balance over and helped my holiday spending! Merry Christmas 🎁 Ashley! God Bless, and I hope you get what you need this Christmas and blessings that last throughout the New Year! My name is Andrew, and I want to say thank you for your kind service.
The app was not updating my balance on a card that I forgot was on auto-pay. 💰
You helped me in less than 6 minutes to transfer that balance over and helped my holiday spending! Merry Christmas 🎁 Ashley! God Bless, and I hope you get what you need this Christmas and blessings that last throughout the New Year! My name is Andrew, and I want to say thank you for your kind service.
Product: First National Bank of Omaha Credit Cards
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Andrew, we're glad to hear that Ashley provided such exemplary service, and we've made sure to forward your review appropriately. Happy holidays, and thank you for taking the time to share!
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First National Bank of Omaha
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5 Star Rating
Verified CustomerGood bank with good perks!
Product: First National Bank of Omaha Credit Cards
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Nathan, we're so glad to hear that you're enjoying our services! Thanks for taking the time to share, and for being a FNBO customer!
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First National Bank of Omaha
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1 Star Rating
Do not take out a mortgage with FNBO. They will sell it to an out-of-state company with a poor reputation for customer service. When you inquire about it, they will tell you it's just their "normal business practice," and the only way to stop it is to pay off your mortgage in full or refinance it with them at a much higher interest rate. You can't trust them.
Product: First National Bank of Omaha Mortgages
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Alison, we appreciate you taking the time to share your concerns and have shared them with the Mortgage team. For further questions or concerns, please refer to the letter you received, or reach out to ServiceMac. We apologize for any inconvenience.
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First National Bank of Omaha
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1 Star Rating
That bank is the biggest scam in the banking industry. They will block your payments in order to charge you fees and then block you from using them at gas stations until your fuel rewards expire. Stay away and hope they get shut down and exposed!
Product: BP Credit Card
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We're sorry to hear that you're having trouble with payments and using your card. To look into this further, and help resolve any issues, you can call us at 888-530-3626, or submit a secure message from our website. We will be happy to help.
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First National Bank of Omaha
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1 Star Rating
I would leave zero stars if I could. I obtained this card three years ago with an $11,500 credit limit. After the first year, they reduced the limit every few months, citing high total usage on all my cards and my credit score. Each time they lowered my limit by thousands of dollars, it worsened my usage and score. I consistently paid more than double my minimum payment. As of July 2025, my limit had decreased to $4,650. In July, I paid off ALL of my credit cards, including FNBO. In September, they reduced my limit to $1,000. Several of my other cards increased my limit after I paid everything off. Keeping this card was not worth the trouble. I have now closed this account. I do not recommend applying for this card. It may start out great, but then they let you down.
Product: Evergreen® by FNBO Credit Card
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Rob, we're sorry to hear that our services did not meet your expectations, and appreciate you voicing your concerns. We have made sure to share your review with the appropriate teams to improve our services in the future. If you have any other questions, concerns, or feedback, you can call us at 888-530-3626, or submit a secure message from our website, and we will be happy to help.
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First National Bank of Omaha
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1 Star Rating
I've had many credit cards, but never one that was as unforgiving or shady as this one. Due to one negative event that was on my authorized user's credit (not mine, and I pay the bill), they sent me an email saying they were raising my credit limit, but actually lowered it by $400. They did this immediately after I had just made a rather large payment, and I'd never had a late or missed payment. I will be closing this card and never dealing with FNBO ever again. I used to think the Mopar points were worth it, since I own a Jeep, but not anymore. Never again.
Product: Mopar® Credit Card
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Jesica, we appreciate you taking the time to voice your concerns, and you may be assured they have been shared to improve our services in the future. If the decision is made to lower an account's credit limit, a letter is mailed that explains the factors that led to the decision. If you have additional questions, or do not receive this letter, you can call us at 888-530-3626, or submit a secure message from our website. We will be happy to help.
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First National Bank of Omaha
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3 Star Rating
I got the Preferred Amtrak Guest Rewards card so we could travel. The problem is they only gave me a $2K credit limit, even though my other credit card limit is way more than that. I've had a lot of medical expenses which caused me to keep making payments before the closing date so I could use it and accumulate points. For your information, my credit score was over 800 until FNBO pulled my credit for the application of its card.
The promotion when I signed up was for 40K points if you spend $2K in 90 days/3 billing statements. Well, I am way past $2K in one month! Crowns are expensive! I asked if I could get my credit limit raised, and they said not for 6 months. Plus, FNBO won't let you make a payment for more than what is owed on the card. The reason I wanted to make a larger payment is twofold; I have pending expenses of $1K, plus I need 2 more crowns, which will be done the following week.
The only way you can use this card if you have a lot of expenses is to make payments as soon as your pending balances get posted. Then it takes a day to process your payment. Heaven forbid if it is on the weekend, and you have a dental appointment on a Monday!
My biggest issue with this card is the low credit limit of $2K. Even if you use it just for travel, that is a very low limit if you are staying in hotels, renting a car, and going out to eat!
The only way that you can get a higher limit right away is to exaggerate your income, claiming it is three times what it really is! I didn't lie. I have money in the bank and no debt! Why am I being penalized?
The promotion when I signed up was for 40K points if you spend $2K in 90 days/3 billing statements. Well, I am way past $2K in one month! Crowns are expensive! I asked if I could get my credit limit raised, and they said not for 6 months. Plus, FNBO won't let you make a payment for more than what is owed on the card. The reason I wanted to make a larger payment is twofold; I have pending expenses of $1K, plus I need 2 more crowns, which will be done the following week.
The only way you can use this card if you have a lot of expenses is to make payments as soon as your pending balances get posted. Then it takes a day to process your payment. Heaven forbid if it is on the weekend, and you have a dental appointment on a Monday!
My biggest issue with this card is the low credit limit of $2K. Even if you use it just for travel, that is a very low limit if you are staying in hotels, renting a car, and going out to eat!
The only way that you can get a higher limit right away is to exaggerate your income, claiming it is three times what it really is! I didn't lie. I have money in the bank and no debt! Why am I being penalized?
Product: Amtrak Credit Card
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Shelley, we appreciate you taking the time to voice your concerns, and we have made sure that they have been shared with the appropriate teams. To further address your questions and concerns, and see what options may be available, you can call us at 888-530-3626, or submit a secure message from our website. We will be happy to help.
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@FNBO
I called FNBO and spoke to Jessie. She said she can't raise my limit for 6 months from when the card was opened. Nor can I make a payment for more than what the balance is showing. In other words, creating my own credit for big purchases that I will be occurring.
Every single day I am looking to see if my transactions have posted so I can make a payment. It is nerve racking to say the least. My other credit card has a $25K credit balance!
It's as if FNBO is doing everything they can to make sure you can't use their card to accumulate points. At least that is how I feel.
As a senior who wants to travel, this card is totally frustrating. How do you pay for hotel rooms, a rental car and food on a trip with only a $2K credit balance? Retirees are being denied higher credit limits because we no longer have "income". But we do have money in the bank and no debt!
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First National Bank of Omaha
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3 Star Rating
This card saves me money on gas, which I appreciate. However, I have had this card for three years now. I use it whenever I need gas, and I still don't have enough points for any of the "rewards."
Product: Sheetz Credit Card
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We appreciate you taking the time to leave a review and voice your concerns. To assist with better understanding your rewards, including how they can be earned and redeemed, you can call us at 888-530-3626, or submit a secure message after logging into our website.
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First National Bank of Omaha Q&A(255 questions)
Get answers to your questions about First National Bank of Omaha below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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3
UpvotesHow can I log in to my First National Bank of Omaha account online?
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Chip Lupo
To log in to your First National Bank of Omaha credit card account, go to First National Bank of Omaha's website or mobile app, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with First National Bank of Omaha, you'll need to enroll first and set up a username and password.
How to Log in to Your First National Bank of Omaha Credit Card Account
- Visit First National Bank of Omaha's website or app. Navigate to the login button at the top of the page, where it will ask for your username and password. Below that will be an option to enroll in a new account.
- Create your online account. If you haven't done so already, click on the button to enroll or create an account. From there, you'll confirm your identity and create a username and password.
- Enter your credentials. In the login box on First National Bank of Omaha's website or app, enter your username and password. Then, click the button to sign in to your account.
After you have signed up and logged in, you'll be able to manage your First National Bank of Omaha credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click the option to retrieve your username or reset your password on First National Bank of Omaha's website or app. Then, follow the prompts to obtain your login info.
13
UpvotesHow can I pay my BP Credit Card?
Reply
WalletHub
You can make a BP Credit Card payment online, by phone, through the First National Bank of Omaha mobile app or by mail. To pay a BP Credit Card bill online, log in to your online account and click on "Payments and Transfers." Then, choose how much to pay, when to pay it, and where the payment is coming from. First National Bank of Omaha does allow cardholders to set up automatic payments, too.
Ways to Make a BP Credit Card Payment
...0
UpvotesHow do I apply for BP Credit Card?
Reply
Adam McCann
The only way to apply for the BP Credit Card is online, and you can get to the online application by clicking the "Learn More" button on WalletHub or by going directly to FNBO's website.
Keep in mind that the BP Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good...
0
UpvotesHow do I apply for BP Gas Card?
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Maria Adams
You cannot apply for the BP Gas Card right now, because applications for the card are no longer open at this point in time. The BP Gas Card has been unavailable to new applicants. However, there are other cards available from FNBO that you can apply for .
Similar Cards to the BP Gas Card You Can Apply For
For more options, you can check out some of the best credit cards on...
0
UpvotesDoes First National Bank of Omaha have pre-approval?
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Chip Lupo
First National Bank of Omaha sends pre-approved card offers to potential applicants via mail or e-mail, and existing customers may receive pre-approval for a new card through their online account. To respond to a First National Bank of Omaha pre-approved offer, visit the website listed in your offer and enter the enclosed invitation code. This allows First National Bank of Omaha to flag the application as pre-approved.
First National Bank of Omaha pre-approval doesn't...
15
UpvotesHow can I pay my Speedway Credit Card?
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Susan Gomez
You can make a Speedway Credit Card payment online, by phone, through the First National Bank of Omaha mobile app or by mail. To pay a Speedway Credit Card bill online, log in to your online account and click on "Payments and Transfers." Then, choose how much to pay, when to pay it, and where the payment is coming from. First National Bank of Omaha does allow cardholders to set up automatic payments, too.
Ways to Make a Speedway Credit Card Payment
...0
UpvotesDoes the BP Credit Card have pre-approval?
Reply
Chip Lupo
You cannot check for BP Credit Card pre-approval. First National Bank of Omaha does not offer pre-approval through its website, so anyone interested in applying for BP Credit Card will have to do so without the benefit of checking for pre-approval beforehand.
As an alternative, you can use WalletHub's CardAdvisor tool. Just answer a few general questions, and CardAdvisor will recommend some credit card offers based on your responses.
0
UpvotesWhat's the First National Bank of Omaha credit limit?
Reply
Chip Lupo
It is reportedly possible to get a credit limit of up to $20,000 on certain First National Bank of Omaha credit cards, but First National Bank of Omaha does not list minimum credit limits in its credit card terms and conditions. You won't know how much your credit limit will be until after you're approved for an account. Applicants with high incomes and excellent credit will generally get the highest First National Bank of Omaha...
6
UpvotesWhat are the BP Credit Card rewards?
Reply
Bogdan Roberts
The BP Credit Card rewards are 50¢ off per gallon for the first 60 days at BP and Amoco stations, 15¢ off per gallon thereafter, plus 5 points per $1 spent on non-fuel purchases at BP and Amoco, 3 points per $1 spent on groceries, dining and food delivery purchases, and 1 point per $1 spent on all other purchases. This card is on the Visa network and can be used anywhere Visa is accepted.
Here are the BP Credit Card rewards:
- Limited-time offer: Save 50¢ per gallon at BP and Amoco stations for the first 60 days after account opening, 15¢ per gallon thereafter. Offer valid through 9/30/26.
- Earn 5% cash back (5 points per $1) on non-fuel purchases at BP and Amoco, 3% cash back (3 points per $1) on groceries, dining and food delivery purchases, and 1% cash back (1 point per $1) on all other qualifying purchases.
- Redeem points for cash back, account statement credit, gift cards from major retailers, travel experiences and more.
- There is no limit on the number of points that can be earned. Points expire after the fifth anniversary of when they were awarded.
It is worth noting that cash back rewards are applied to your BP Credit Card account after 1 or 2 billing cycles from the moment they were earned. Interest rates and fees do not earn cash back. Cash back rewards are forfeited if your account is closed for any reason.
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0
UpvotesHow do I apply for the MGM Credit Card?
Reply
Adam McCann
The easiest way to apply for the MGM Credit Card is online, and you can get to the online application by clicking the "Learn More" button on WalletHub. Applying online is the fastest method and often leads to an instant response. Keep in mind that the MGM Credit Card is available to people with good credit or better, which means you need a 700+ credit score for high approval odds. You can check your credit score for free here on WalletHub.
How to...
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