Here's everything you need to know about your card.

Expanded Earning Opportunities

Earn

3X Points1

on auto-related purchases

Expanded earning opportunities include
all automotive sales, repairs and service at any dealership or repair shop; all auto parts and accessories; parking; car washes

+

3X Points1

on gas and grocery purchases

+

1X Point1

per dollar spent on all other purchases

Enhanced Redemption Options

Redeem

Rewards Your Way

You can redeem points in more categories than ever before.

  • Cash Back

  • Travel

  • Gift Cards

  • Merchandise

Introducing Purchase EraserTM
Now there's even more flexibility to redeem your GearUp Rewards Points. With Purchase EraserTM you will be able to redeem rewards points to "erase" the cost of qualifying purchases after they have posted to your account.

Frequently Asked Questions

With your GearUp Visa® Card, you will earn:

  • 3X Points1 on an expanded number of auto-related purchases
  • 3X Points1 on gas and grocery purchases
  • 1X Point1 per dollar spent on all other purchases

With those earned GearUp Rewards Points, you can redeem in more categories than ever before.

  • Gift Cards
  • Merchandise
  • Travel
  • Cash back
  • Purchase EraserTM

You can view and redeem points online anytime by visiting card.fnbo.com or by downloading the Card by FNBO mobile app. This is the same site you manage your GearUp Visa® Card on. When logging into your online account or FNBO mobile app, you may use your same username and password as that has not changed.

Points can be redeemed online 24/7 by accessing your account at card.fnbo.com from the Account Details page, your point total is available under the “Redeem Rewards” button. You can also call the number stated in your Rewards Terms and Conditions during the hours of operation as indicated. When logging into your online account or FNBO mobile app, you may use your same username and password as that has not changed.

You can redeem GearUp Rewards Points in more categories than ever before.

  • Gift Cards 
  • Merchandise
  • Travel 
  • Cash Back
  • Purchase EraserTM

Yes. Points expire 5 years after they are awarded (subject to applicable law).

Important Information 
We reserve the right to change your account terms for reasons described in your Cardmember Agreement. 

1 See the Rewards Terms and Conditions for details, including earning, redemption, expiration, and forfeiture (subject to applicable law). 

Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Visa U.S.A., Inc. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license. 

© 2026 First National Bank of Omaha (FNBO). All Rights Reserved.