WalletHub Best First National Credit Cards
WalletHub makes it easy to find the best First National credit card for you.
The best First National credit cards can help you build credit, earn rewards on every purchase and avoid interest with a 0% introductory APR. Most credit cards from First National Bank of Omaha, also known ... show more
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Best First National Credit Cards
- Airline Rewards: Sun Country Airlines Credit CardSun Country Airlines Credit CardLearn MoreLearn More
- Entertainment: MGM Credit CardMGM Credit CardLearn MoreLearn More
- Balance Transfer: First National Bank of Omaha Platinum Edition® Visa® CardFirst National Bank of Omaha Platinum Edition® Visa® CardLearn MoreLearn More
- Bad Credit: First National Bank of Omaha Secured Visa® CardFirst National Bank of Omaha Secured Visa® CardLearn MoreLearn More
- Automotive: Ford Credit CardFord Credit CardLearn MoreLearn More
- Business: Evergreen by FNBO | Business EditionEvergreen by FNBO | Business EditionLearn MoreLearn More
FIRST NATIONAL CREDIT CARDS
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- No membership fees
- 0% intro APR on balance transfers
- 2,500 miles initial rewards bonus
- Bonus rewards categories
- No intro APR on purchases
- Balance transfer fee
- Requires good/excellent credit
- No membership fees
- Qualify with bad credit
- High regular APR
- Foreign fee
- Requires security deposit
- No membership fees
- High rewards rate
- 20,000 points initial rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- Requires excellent credit
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $100 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% intro APR on balance transfers
- High rewards rate
- 7,500 miles initial rewards bonus
- No foreign fee
- Membership fees
- No intro APR on purchases
- Balance transfer fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $100 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Best First National Credit Cards of 2024
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 Comparison
| Credit Card | Best For | Annual Fee | Min. Credit Required |
| MGM Credit Card | Entertainment | $0 | Good |
| First National Bank of Omaha Platinum Edition® Visa® Card | Balance Transfer | $0 | Excellent |
| Evergreen by FNBO | Business Edition | Business | $0 | Good |
| Sun Country Airlines Credit Card | Airline Rewards | $69 | Good |
| Ford Credit Card | Automotive | $0 | Good |
| First National Bank of Omaha Secured Visa® Card | Bad Credit | $0 | Bad |
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.
Methodology for Picking the Best First National Credit Cards
To identify the best First National credit cards, WalletHub compared all of the credit card offers issued by First National Bank of Omaha from our database of 1,500+ cards. In comparing the cards, we estimated how much the average person would save with each offer’s rewards, interest rates and fees over the course of multiple years. We then selected the card that figures to produce the most savings in some of the most popular usage categories.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
First National Credit Cards FAQ
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. WalletHub independently collected information for some of the cards on this page.show more
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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 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...
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 earn cash back with my First National Bank of Omaha credit card? Reply
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...
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 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.
Featured Credit Cards
Important Disclosures
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. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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