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 11/26/2025.
3.6
7,061 reviews
from WalletHub and across the web
7,061 reviews from WalletHub and across the web
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First National Bank of Omaha
Alison Freemyer @alisonlerae
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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.
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Product: First National Bank of Omaha Mortgages
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First National Bank of Omaha
amilenov @amilenov
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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!
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
Rob Lowe @ccnsolutions
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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.
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
Jesica S @JesMe8
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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.
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
Shelley Reynolds @ShelleyJr213
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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?
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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Shelley Reynolds @ShelleyJr213
@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
frwahn16 @frwahn16
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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."
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
Nickiedwards1008 @Nickiedwards1008
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1 Star Rating
Half the time, the discount didn't work and station attendants usually couldn't help. Now, for the last several months, they keep reducing my limit. I've never been late and always pay more than is due. Each time I get a good percentage of credit available, they reduce it to only a couple hundred available. I'm going to pay it off next week and never use it again. They have lost a customer.
We're sorry to hear you're not satisfied with our services, and appreciate you taking the time to voice your concerns. We have shared them appropriately to help improve our services in the future. If you are not receiving your discount for using your BPme Rewards Visa card at a BP station, we will issue a statement credit within 10 business days of the transaction posting to the account. 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 any additional concerns, have not received this letter, or have not received the statement credit for your fuel discount, 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
Jon Housley @jmhousley0007
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1 Star Rating
FNBO (Ruby and Dee) will not dispute the Apple charges that even Apple acknowledges as fraudulent. FNBO does not protect their cardholders. Beware. Better yet, find another card.
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Product: First National Bank of Omaha Credit Cards
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First National Bank of Omaha @FNBO
We're sorry to hear about the service you received, and appreciate you taking the time to bring it to our attention. We've made sure to share your message with the appropriate teams to improve our services going forward.
If there are charges on your account that are not yours, you can call us at 888-530-3626, and we can have that card number closed and a new card number issued for your account. This helps ensure the security of your account and prevent further unauthorized charges. At that time we can also have any charges flagged for investigation by our Fraud Department.
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First National Bank of Omaha
vfwmannysalas @vfwmannysalas
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1 Star Rating
I use the app to pay bills. The app said no payment was due until next month. I always pay in full. I was declined, and my credit limit was decreased even though my card is paid in full every month. I will be closing my account.
We appreciate you taking the time to voice your concerns, and have made sure to share them appropriately. To look into this further, and see what options may be available, you can call us at 888-530-3626, or submit a secure message after logging into our website, and our Specialists will be happy to help.
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First National Bank of Omaha
mhblair2 @mhblair2
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1 Star Rating
They're the worst. They signed me up for a promotion and allowed me to use the card, then canceled it three days later, just before I reached the $500 mark needed to receive the statement credit. What a convenient coincidence. They can't tell me why. I will never bank or use a card underwritten by them again. I highly recommend you don't either.
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Product: First National Bank of Omaha Credit Cards
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First National Bank of Omaha @FNBO
We're sorry to hear about your experience, and we appreciate you taking the time to bring it to our attention. We've made sure to share it with the appropriate teams to improve our services in the future. If the decision is made to close an account, a letter is mailed that explains the factors that led to the decision. If you have questions, or do not get this letter, you can call us at 888-530-3626, and we will be happy to help.
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First National Bank of Omaha
elizabethkanderson @elizabethkanderson
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1 Star Rating
I applied for and received approval for a Sun Country credit card managed by FNBO. However, I never received the card and discovered $5000 in fraudulent charges had been made in the meantime. I reported the fraud, and my new card, which is the first I've actually received, arrived today. They send out cards that are already activated and ready to use. Who does that? I'm still awaiting resolution of these fraudulent charges. I regret applying for the card just to get discounts on baggage fees while flying with Sun Country. I've wasted so much time and experienced more stress over this than it's worth. I am still waiting to hear a valid reason for why they send out activated cards without a sufficient system of checks and balances to prevent fraud. I suspect this might be an inside job or theft within the postal service at the Ybor, Florida site.
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Product: First National Bank of Omaha Credit Cards
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First National Bank of Omaha @FNBO
We're sorry to hear about your experience, and appreciate you taking the time to bring your concerns to our attention. You may be assured that they have been shared appropriately so that we can improve our services in the future. If you have any other questions, concerns, or issues, please do not hesitate to call us at 888-530-3626, or submit a secure message from our website. Our Specialists will be happy to help.
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First National Bank of Omaha
mail2banks @mail2banks
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1 Star Rating
A week-by-week transaction I always make was suddenly charged on 4/6/25 as a money transfer instead of a charitable contribution. The bank claimed there was something I did that caused this and refused to refund me the $5 money transfer fee. Amtrak making this bank our choice for dealing with credit card rewards was a huge mistake. Credit card processing and handling by this bank is the worst experience ever. I've never had anything go right working with this bank. Consumers should choose any other bank than this one to deal with. I called customer service on 4/15/25. The first person couldn't help, and neither could a rep named Jibeef.
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Product: First National Bank of Omaha Credit Cards
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First National Bank of Omaha @FNBO
We're very sorry to hear that our services have not met your expectations, and appreciate you taking the time to leave a review. We have made sure to share your message appropriately so that we can help improve our services in the future. If you have any other questions or concerns, please do not hesitate to call us at 888-530-3626, or submit a secure message from our website, and our Specialists will be happy to help.
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First National Bank of Omaha
michael Robertson @robertsons54495
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1 Star Rating
Poor business practices by fraudsters affect credit scores. They give you a high credit limit, then charge you to lower the limit to 90% of usage. Pay it down again to keep the percentage of usage down, only for them to lower the available credit once more to 90%. I just paid it off and am done with them.
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Product: First National Bank of Omaha Credit Cards
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First National Bank of Omaha @FNBO
We appreciate you taking the time to bring your concerns to our attention, and you may rest assured they have been shared appropriately. 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 concerns, or do not get this letter, you can call us at 888-530-3626, and our Specialists will be happy to help.
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First National Bank of Omaha
Nobleman720 @Nobleman720
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1 Star Rating
Had a $9,300 limit to start with on my FordPass Rewards card from FNBO. Used the card regularly with no issues, and that limit was abruptly reduced to $8,700. Okay, I thought that was odd, but I didn't mind that. I maxed the card out but made a payment of over $5,600 to bring my utilization to below 30% so my credit wouldn't take a hit. It took FNBO over 2 weeks to take and post my payment. I called several times asking why my payment hadn't posted, and they gave vague answers like "sometimes it takes a while," and one representative flat out said she didn't know why. Okay, the payment finally goes through. I book a $547 hotel stay in Memphis with the card, check in and out of the hotel with no issues, and before pulling off from in front of the hotel, I made a $547 payment to cover the charges for the room. At this point, I've got over $5,000 in available credit. Fast forward maybe a week later, and my $200+ purchase gets declined. I open the app and my available credit was $156 and change!!!! FNBO zapped my account and took over $5k of available credit with no warning! I called and asked why, and they told me that they check customers' credit quarterly and found a judgment entered against me. There was no such judgment against me nor on my credit. They are a scam bank that reduces limits to charge higher interest rates. If your utilization is over 75%, then credit card companies can charge a higher rate on your balance. I warn everyone not to mess with that bank. A coworker told me he was 2 days late on his business credit card with FNBO, and they significantly reduced his credit limit as well. And to top it off, when I complained again months later, they had no record of why my limit was reduced, which tells me there was no legitimate reason for it.
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Product: First National Bank of Omaha Credit Cards
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First National Bank of Omaha @FNBO
We're sorry to hear that our services haven't met your expectations, and appreciate you taking the time to leave a review. We have made sure that it has been forwarded appropriately so we can improve our services in the future. However, we would like to take a moment to address some of your concerns.
We review all of our accounts on a regular basis, and may make changes to an account's credit limit. If a decision is made to lower the limit, a letter is mailed that explain the factors that led to the decision. If you do not receive the letter, you can always reach out and our Specialists can have a copy sent.
When making a payment, all payments will post in the same timeframe. A payment received or scheduled before 5:00 PM CST on a business day will post to the account the same day. If it is received or scheduled after 5:00 PM CST, but before our 11:59 PM CST cut-off time, or on a non-business day, it will post the first business day following and will be back-dated. In some situations, the availability of funds from a payment may be delayed to ensure collectability.
If you have any other questions or concerns, please do not hesitate to call us at 888-530-3626, or submit a secure message after logging into your account from our website, and our Specialists will be happy to help.
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First National Bank of Omaha
Travis R @atl0707
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3 Star Rating
Verified Customer
I have had this card since the mid-2010s. It allowed me to get decently priced reward tickets for long-distance travel and see the country back then. However, Amtrak has since raised the number of points needed for sleepers, making it very hard to qualify for a room on a western train if you're a moderate spender who is single. I love traveling by Amtrak, but the prices in points are now ridiculous in return for what you get. Additionally, the earnings rate on this no-fee card is not great. If you are a die-hard rail fan, I recommend getting the blue Amtrak card with the annual fee instead, as it comes with a free companion pass, lounge visits, and a higher earnings rate on other travel. Just be sure you want to pay the fee, as FNBO won't let you downgrade to the free card.
Travis, we appreciate you taking the time to leave a review and to provide your feedback. We have made sure that your concerns with the rewards have been forwarded to the appropriate teams. If you have any other questions, concerns, or feedback about the card, you can call us at 888-530-3626, or submit a secure message after logging into our website. We will be happy to help.
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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.
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.
You can make BP Credit Card payment online, by phone, through the First National Bank of Omaha mobile app, or by mail. To pay your 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.
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...
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
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...
You can make Speedway Credit Card payment online, by phone, through the First National Bank of Omaha mobile app, or by mail. To pay your 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.
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.
You can, however, use WalletHub's CardAdvisor tool. Just answer a few general questions, and CardAdvisor will recommend some credit card offers based on your responses.
First National Bank of Omaha credit limits are $300 at a minimum, depending on the card. The First National Bank of Omaha credit card with the highest starting credit limit is the First National Bank of Omaha Rewards Secured Card, which has a maximum credit limit of $5,000, depending on the deposit amount
Don't be surprised if you can't find any credit limit details in the First National Bank of Omaha card terms. First National Bank of Omaha doesn't publicly disclose...
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:
Save 50¢ per gallon at BP and Amoco stations for the first 60 days after account opening, 15¢ per gallon thereafter.
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.
The only way to apply for the Ford 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 First National Bank of Omaha's website.
Keep in mind that the Ford 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...
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by WalletHub: BP Credit Card, BP Gas Card, Speedway Credit Card, First National Bank of Omaha Rewards Secured Visa® Card, and Ford Credit Card.
